vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: United Built Homes LLC
State: LA

Complaint narrative:
Since my first complaint It was asked in the months of XXXX, XXXX and XXXX of 2023 to put the {$4500.00} on my remaining balance on our mortgage and they've refused.Since XXXX XXXX refuses to talk to me ( because I have been bringing a witness with me ) I was told to contact XXXX but he hasn't responded to our phone calls ( from three different phone ) or e-mails.Since XXXX XXXX refuses release the funds to any of our contractors to get our home repair we request ( once again for the fourth time ) just put it on our mortgage so we can be done with this wicked company. 
P.s before you respond with any negatively please talk to the employee at the XXXX office and ask them why they call a man who's 16 years ahead on his mortgage and ask him what time he'll be in with his payment and then close early!

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 2024-01-04 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: PA

Complaint narrative:
Please see attached documentation to meet demands in a timely fashion. 

PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if it states Unknown payment history. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2024-01-04 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: NY

Complaint narrative:
Acct XXXX Was closed. On XX/XX/2023 and the equipment was returned. The employee at the XXXX XXXX did not tag/receipt equipment correctly. After 60 days this account was placed in collections for un returned equipment. 
In XXXX of 2023 I realize it hit my credit reports and I called and provided proof of return. From XX/XX/2023 to now it has been a 150 phone calls to each XXXX  and collection agencies XXXX is the vendor. 
Credit Management XXXX. Is collection company is at fault here. There is something wrong that they keep promising to remove the inaccurate entries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-04 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/2023 I ordered a pair of shoes for {$60.00} ( order # XXXX ) from a so-called online store called XXXX and the email address is XXXX and they said it was based out of Texas and was led to believe the product would ship from the U.S. and would arrive before XXXX and after I paid I received an email days later saying it had been shipped from XXXX and received a tracking number ( XXXX ) which when looked said was not found so I emailed them back after several more days and said I wanted a refund and they assured me it was on way so I waited and still nothing. So I emailed them back and requested my money back again and they said it had been refunded but I still have not seen it on my account or the shoes in the mail. Now Everytime I email them they just keep on sending me either item on way or that they have refunded my money ( the exact same 2 emails they had sent previously but randomly regardless of what I had said in my previous email ). Then I contacted cash app and filed a dispute but they denied me for some reason which they have not shared with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX ( INQUIRY ) XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I called US Bank XXXX XXXX customer service on XX/XX/2024, XXXX EST about a rewards question on my US Bank XXXX XXXX credit card. I noticed that after XX/XX/2024, all my XXXX Pay transactions only got 1X points, instead of 3X as shown on their card benefits. The guy who picked up the call was extremely rude insulted me for not understanding English and asked if I needed a translator ; he was even happy with me bringing this case up. Clearly, US Bank is not only messing up with its reward program, but also discriminating against minority groups.

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding a troubling issue I have encountered involving a money transfer from my Cash App account to my bank account at XXXX XXXX. This incident has caused me significant inconvenience and financial uncertainty. 

On XX/XX/XXXX, I initiated a transfer of {$420.00} from my Cash App account to my bank account. The transfer was processed by Cash App, and I was provided with a transaction confirmation. However, as of XX/XX/XXXX, the funds have not been credited to my bank account. My cash app tag is XXXX XXXXXXXX Upon contacting XXXX XXXX, they informed me that they can not trace the transaction with the information provided by Cash App. The only detail I received from Cash App was the transaction ID, and they have refused to provide further necessary banking information to trace where the money was sent. 

This situation has left me in a financially precarious position, as I am unable to access funds that rightfully belong to me. The lack of cooperation and transparency from Cash App is particularly concerning, and I believe this matter requires urgent attention. 

I request the CFPBs assistance in resolving this issue. I am seeking a full investigation into this transaction, and appropriate measures to ensure that the funds are correctly credited to my bank account at the earliest. Furthermore, I hope that this complaint will help in ensuring better service and accountability from digital payment platforms like Cash App. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
At PAYPAL they put me in disclosures I surely did not agree about that is because it is due fraud and error for there conception I own Corporate when I have not had an account to run a business through them. My Identity was stolen back when I was a child. They are in the mode of accessing my personal account to transact in my name to commit fraud against me. I had closed this account on XX/XX/2023 and they accessed my email on the XXXX. I am sick to my stomach for abusive act and I am alleging they are transacting in my name for something I learned about after reading those disclosures I did not agree to because have no affiliation with running any business I am XXXX with multitudes of Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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:
XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXX XXXX  : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$31000.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/XXXX ) has violated my rights. 

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 als o states a consumer reporting agency can not furnish an 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( XXXX ), XXXX XXXX : Account No. is XXXX ( {$7500.00} ), XXXX XXXX  : Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$31000.00} ), XXXX XXXX XXXX XXXX Account No. XXXX ( {$2000.00} ), XXXX XXXX XXXX XXXX Account No. is XXXX ( {$850.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) has violated my rights. 

Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXXl ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( ( XX/XX/XXXX ) has violated my rights. 

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 an 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 2024-01-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2024-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
Cavalry SPV I , LLC said i owe XXXX this is more than the debt i actually owe, they refuse to take my lump sum payment. i can not afford to pay this, i told them this. they said i could pay off XXXX if i did XXXX today and then XXXX in a week .... she then did not tell me it was for the FULL BALANCE, i was mislead and lied to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i called Experian and requested that they clear this matter on my credit report and they explained to me that the information on my report is accurate without them showing any proof i sent them a certified letter with a copy of my license as well as an utility bill and they still have not changed any of my report this is hindering my lifestyle Here 's the letter they received ( certified ) two weeks ago : Subject : Incorrect Information on Credit Report and Unauthorized Inquiries Dear Sir/Madam, I am writing to express my concern regarding the incorrect information on my credit report and the presence of unauthorized inquiries, which I believe violate the Fair Trade Act. I kindly request your assistance in resolving this matter.

Upon reviewing my credit report from Experian, I have identified several inaccuracies. Firstly, my current address is listed as XXXX XXXX XXXX XXXX XXXX Florida XXXX which is incorrect. I have been residing at XXXXXXXX XXXX XXXX XXXX XXXX  Florida XXXX for the past 10 years and it is crucial that my credit report reflects this accurate information. 

Furthermore, I have noticed multiple unauthorized inquiries on my credit report. I have not given permission to any organizations or individuals to access my credit information, and these inquiries are a violation of my consumer rights. I request that all unauthorized inquiries be immediately removed from my credit report. 

According to the Fair Trade Act, consumers have the right to accurate and up-to-date credit information. The inclusion of incorrect information and unauthorized inquiries not only affects my creditworthiness but also infringes upon my consumer rights. I kindly ask the Consumer Financial Protection Bureau to intervene in this matter and ensure that Experian takes prompt action to rectify these errors.

I have enclosed copies of my credit report, highlighting the incorrect address and unauthorized inquiries, for your reference. I kindly request that you review these documents and take the necessary steps to address this issue. 

I appreciate your attention to this matter and your efforts to ensure a fair and just resolution. Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation. 

Thank you for your assistance. 

Sincerely, 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 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TrueAccord Corp.
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, a True Accord agent named XXXX XXXX emailed me a demand payment letter for an outstanding debt from XXXX XXXX XXXX for {$1100.00}. This information from True Accord, a third party agency, refers to an accumulated debt as a direct result of identity theft reported to the Consumer Financial Protection Bureau and to the Federal Trade Commission. All credit reporting agencies have also cross referenced my information as an identity theft victim with three credit reporting agencies per Fair Credit Reporting Act. HoweverXXXX XXXX XXXX XXXX  still contacts me pursues debt collection in violation of statutes within the Fair Debt Collection Act. In addition, XXXX XXXX XXXX reinserted the debt as an entry on credit files in XX/XX/XXXX after all three credit reporting agencies had removed the debt after receiving supporting documents validating that the debt occurred as a result of identity theft. As such, I will vigorously exercise my legal rights as an identity theft victim and pursue a legal claim against XXXX XXXX XXXX for contacting me about the debt, and pursuing the debt, and all attempts to collect the debt in addition to all adverse action to my credit.

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