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: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I have taken the necessary steps by sending certified letters to both the ( XXXX ) credit bureaus and the original creditors to dispute the inaccurate information that has been reported, particularly regarding the accounts that were included in a debt relief program. Prior to the covid pandemic, my credit was something I took great pride in. It was explained to me that it is not common for negative information to be reported while you're making timely payments through a debt relief program, and that my creditors would report my account as current or in good standing if I meet the terms of the agreement. Therefore, in an effort to preserve my excellent credit, I entered into a payment agreement on XX/XX/year>, which was successfully completed as scheduled. I have requested that the creditors review the payment history and adhere to the laws that protect consumers who had impeccable credit prior to the restrictions imposed by the XXXX pandemic. On XX/XX/year>, the CARES Act was signed into law, which included provisions to protect consumers ' credit during the pandemic. The Fair Credit Reporting Act ( FCRA ) was amended to prevent adverse credit reporting due to COVID-19, as outlined in section 15 USC.1681s-2 ( a ) ( 1 ) ( F ). This provided some reassurance and relief for individuals like me who were facing financial challenges during these unprecedented times.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have taken the necessary steps by sending certified letters to both the ( XXXX ) credit bureaus and the original creditors to dispute the inaccurate information that has been reported, particularly regarding the accounts that were included in a debt relief program. Prior to the covid pandemic, my credit was something I took great pride in. It was explained to me that it is not common for negative information to be reported while you're making timely payments through a debt relief program, and that my creditors would report my account as current or in good standing if I meet the terms of the agreement. Therefore, in an effort to preserve my excellent credit, I entered into a payment agreement on XX/XX/year>, which was successfully completed as scheduled. I have requested that the creditors review the payment history and adhere to the laws that protect consumers who had impeccable credit prior to the restrictions imposed by the XXXX pandemic. On XX/XX/year>, the CARES Act was signed into law, which included provisions to protect consumers ' credit during the pandemic. The Fair Credit Reporting Act ( FCRA ) was amended to prevent adverse credit reporting due to XXXX, as outlined in section 15 USC.1681s-2 ( a ) ( 1 ) ( F ). This provided some reassurance and relief for individuals like me who were facing financial challenges during these unprecedented times.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These late payments are not aligned with how I normally handle my payments, which have been on time.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: EQUIFAX, INC.
State: VA

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 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX help center- XXXX the guys names that I spoke with was XXXX XXXX to FTC and XXXX  They said they would help me recover my business XXXX page, but instead took over XXXX dollars out of my account via cash app. 

I called XXXX XXXX immediately and told them this was not authorized. I reported it to the FTC and XXXX  I did my money back the next day and thought all was OK, in XXXX of XXXX from XXXX XXXX, but then on XXXX XXXX, XXXX XXXX took out over XXXX dollars from my account ( which is my social security check ) and said that it was my fault for dealing with Cash App which they now claim as a fraudlent company and would not restore my funds.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

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

Company 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 card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XXXX XX/XX/year> I sent a Registered Mail parcel REF XXXX XXXX to AMERICAN EXPRESS Account ending in XXXX containing a Payment Instrument UCC 3-104 XXXX XXXXT along with a PAYMENT ORDER/Instruction UCC 4A-103. ( See attachments ) AMERICAN EXPRESS received the XXXX XXXX XXXX XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to XXXX XXXX TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is mat to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The Instrument was stamped and endorsed tendered in the amount of {$3300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. According to the Law that govern consumer transactions this debt is Discharged. 

UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT states that the " Person entitled to enforce '' an instrument means ( i ) the holder of the instrument. I am the Holder of the Instrument, therefore I am entitled to Enforce the Instrument. I have made multiple attempts through phone communication informing AMERICAN EXPRESS of their NOTICE OF DISHONOR. XXXX XXXX. Their only response is that they dont except the form of payment they received from me. This indicates that they have received a payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and Uniform Commercial Code. AMERICAN EXPRESS has violated their fiduciary responsibilities as servicers of my Credit Line. I have a forensic Auditor at my discretion to investigate whether or not they have Securitize any portion of line of credit with AMERICAN EXPRESS.

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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
This fraudulent Credit card XXXX XXXX XXXX opened on XXXX XXXX XXXX account number ( 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX : This is a Self-Attestation that I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
This fraudulent Credit card XXXX XXXX XXXX opened on XXXX XXXX XXXX  account number ( XXXX )

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XXXX XXXX XXXX - transferred {$300000.00} into Marcus from my external checking account. 
XXXX XXXX XXXX - wired {$250000.00} to XXXX XXXX  account from Marcus savings XXXX XXXX XXXX - I notice in my online personal finance app that there has been a ACH Withdrawal Reversal and the money has been removed from XXXX and is back in my Marcus account.l with a hold on it. 
( There was never any email communication from Marcus that there had been a problem with the transfer or communication explaining why it had been reversed. ) XXXX XXXX XXXX  - I make my first call to Marcus to find out what happened. Each time I verify my identity through security questions, each time I am transferred to a supervisor, and each time I am told that the hold on my funds is under review. At this point I communicate that I want all the funds in my account to be transferred to my external checking account and I want to close my Marcus account. 
XX/XX/year> - I make my second daily call to find out the status of the review. Again no definitive answer but am told within 1-3 days the wire to my external account with all {$300000.00} XX/XX/scrub>XXXX XXXX XXXX  - I call again to check on status and the 1-3 day timeline is still in play leading me to believe that my funds would be transferred by Friday, XXXX XXXX. 
XX/XX/year> - making my daily phone call to check on status I learn that there are some holds on my money. They are under review by the review team and no, they can not transfer me to the review team. The XXXX XXXX tells me she has removed the holds and the transfer should happen XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX  - I watch my account all day to see if the funds have been wired from Marcus and at XXXX EST I call Marcus again. I ask for a supervisor, she says she will look into it and mentions that she sees a XX/XX/year> transfer date. I am incredulous and ask for her supervisor. We are on the phone for another XXXX minutes and she is not able to make any progress other than saying I will receive communication when the holds on my account are lifted. ( Which Id been told were lifted on XX/XX/year>. )

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am diasppointed with how my complaint results turned out - I need further investigation of my case and I need you to thoroughly pay attention as I am getting more XXXX as the day passes by.

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