vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 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: IN

Complaint narrative:
Dispute of Bankruptcy Reporting I am writing to formally dispute the reporting of a bankruptcy on my credit report, which I believe is inaccurate. The bankruptcy in question is listed under [ 24-21463-jra ]. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies in my credit report. It is my understanding that you are required to conduct a reasonable investigation into disputes and to provide me with documentation of the investigation steps taken. To date, I have not received any such documentation, which I believe is a violation of my rights under the FCRA. Furthermore, FCRA 1681i ( a ) ( 1 ) ( A ) states that when a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct an investigation and notify the consumer of the results within a reasonable period. As I have not received any notification of the steps taken in your investigation, I respectfully requested that you furnish me with this information. I kindly ask that you review this matter and remove the bankruptcy from my credit report if it is found to be not reported from the bankruptcy court. Please provide me with written confirmation of your findings and any actions taken regarding this dispute. Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
As part of a scam the bank has advised that they had been working on getting my funds returned but still haven't been able to find out if this is actually happening or not

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
On Sunday XX/XX/XXXX, I received a noticed from Venmo saying my account was froze due to {$1.00} not being in my balance for a transaction. It said I could pay it back to reinstate my account. I tried to pay it back and there was not a way to. I called Venmo and talked to a representative and they told me they needed to send it to a XXXX and I will get a response within 2-3 days. I called again XX/XX/XXXX and received the same response. So on XX/XX/XXXX I received an email describing why they froze it. And asked for me to respond saying yes they were allowed to withdraw the {$1.00} out of my account. I responded within minutes and gave them permission. The next day, {$1.00} was taken out of my account. I assumed this solved the issue but it has been a week extra from XX/XX/XXXX and they still have my account frozen. They dont want to release my money. I cant talk to anyone who knows whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX emailed me claiming I owe a debt. I responded by requesting validation and verification of the debt. They replied, stating I needed to create an account with them to dispute the debt. Instead, I mailed them a formal letter requesting validation and verification. Despite this, as of XX/XX/XXXX, they reported the debt to TransUnion, XXXX, and XXXX without providing the requested information. This is a violation of 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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mortgage Research Center, LLC
State: NJ

Complaint narrative:
I wanted to get a pre-approval in order to search for a home. Somehow this company got a hold of my information and kept calling emailing and texting me. They said they represent the Veteran Administration. They took all my information in order for me to get a VA approved loan. They said they had access to all my VA information. Then they pulled a bait and switch saying I could only get a conventional mortgage. They gave me the boot saying adios, sayonara, ciao, auf wiedersehen, goodbye. 
I say scam. 
This is very disappointing.

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 2024-09-21 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX {$2500.00}, XXXX. XXXX XXXX XXXX. {$1500.00}, XXXX XXXX XXXX {$6200.00}, XXXX. XXXX XXXX. {$3500.00}. THE FOLOWING INQUIRES ARE UNAUTHORIZED. XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Company - XXXX Amount - XXXX 15 USC 1692c ( c ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or want the debt collector to stop communicating with them, the debt collector must stop communicating with the consumer about that debt. Please remove from credit report or I will be taking legal actions.

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 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: PA

Complaint narrative:
My escrow due increased. The mortgage company claims its due to a number provided by the tax department. 

I have documentation from the taxing authority stating they never provided the mortgage company this information. 

The mortgage company is asking I pay an additional XXXX  XXXX into escrow per year without any documentation or justification for the increased amount. This is a XXXX XXXX increase. 

I asked to take the escrow off of my mortgage and pay the taxes on my own so I can manage the savings and amounts. Because they have not held the mortgage for a year I am unable to apply and have lost trust the company will even let me manage my own money.

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 2024-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681, section 604 a section two, it also states a consumer reporting agency can not furnish an account. without my written instructions under 15 USCs 166 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of XXXX XXXX. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of XXXX XXXX. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.

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 2024-09-21 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 writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of XXXX XXXX. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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 reported late payments don't reflect my consistent payment record.

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 2024-09-21 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: IN

Complaint narrative:
Dispute of Bankruptcy Reporting I am writing to formally dispute the reporting of a bankruptcy on my credit report, which I believe is inaccurate. The bankruptcy in question is listed under [ 24-21463-jra ]. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccuracies in my credit report. It is my understanding that you are required to conduct a reasonable investigation into disputes and to provide me with documentation of the investigation steps taken. To date, I have not received any such documentation, which I believe is a violation of my rights under the FCRA. Furthermore, FCRA 1681i ( a ) ( 1 ) ( A ) states that when a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct an investigation and notify the consumer of the results within a reasonable period. As I have not received any notification of the steps taken in your investigation, I respectfully requested that you furnish me with this information. I kindly ask that you review this matter and remove the bankruptcy from my credit report if it is found to be not reported from the bankruptcy court. Please provide me with written confirmation of your findings and any actions taken regarding this dispute. Thank you for your prompt attention to this matter. I look forward to your timely 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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have sent full payments amounts indoors to all these companies listed within all my complaints to their indenture trustees now according to 15 USC 1692C they are not supposed to be contacting me nor blowing me up like they do constantly every other day. Now this is the law. I'm not understanding why it so hard for theses companies to follow the laws and regulations that have been set in place by the government. What makes them above the laws. If it was me doing these things and or not following the laws that was set in place to XXXX people like me around. They expect me to follow the laws and regulations. So what's the difference or problem with these companies to follow the laws and regulations that set in place supposably to protect the consumers but nothing being done to protect me nor to theses companies that are breaking the laws. Are you telling me because I'm Native American it doesn't apply 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 explanation
Consumer complaint received 2024-09-21 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
Sold a product to a person on XX/XX/XXXX. They used Zelle to send the money. Total was {$120.00}. Zelle said sign up. I signed up, even though I had signed up before. Said money would be in my account in XXXX business days. Money never showed up. Bank ( XXXX ) has no record of transaction. I believe Zelle is holding it hostage. Trying to get it fixed before it gets sent back to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX XXXX  XXXX I am writing to formally dispute the debt that you are claiming I owe. I request that you provide the following information for verification and validation of this debt : XXXX. **Purchase Agreement** : Please provide a copy of the original purchase agreement between you and the original creditor showing the transfer of the debt. 
XXXX. **Cancellation of Debt** : If the original creditor has canceled the debt, please provide documentation to confirm this. 
XXXX. **Chain of Title** : I request the full chain of title for the debt, including any assignments, sales, or transfers from the original creditor to you. 
XXXX. **Payment History** : Please provide details on when the last payment was received on this account, including the date and amount of the last payment. 
XXXX. **Judgment** : If there is any judgment against me regarding this account, please provide documentation to substantiate this claim. 
XXXX. **Statute of Limitations** : Kindly confirm whether the statute of limitations on this debt has expired. If it has, I request that you cease all collection activities immediately and update any credit reporting related to this account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information and expect a prompt response. If you can not provide adequate documentation, I request that you cease collection activities and remove this account from my credit report. 
Please consider this letter a formal request for all communications regarding this matter to be in writing. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX Reference Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX am writing to formally dispute the debt that you are claiming I owe. I request that you provide the following information for verification and validation of this debt : XXXX. **Purchase Agreement** : Please provide a copy of the original purchase agreement between you and the original creditor showing the transfer of the debt. 
XXXX. **Cancellation of Debt** : If the original creditor has canceled the debt, please provide documentation to confirm this. 
XXXX. **Chain of Title** : I request the full chain of title for the debt, including any assignments, sales, or transfers from the original creditor to you. 
XXXX. **Payment History** : Please provide details on when the last payment was received on this account, including the date and amount of the last payment. 
XXXX. **Judgment** : If there is any judgment against me regarding this account, please provide documentation to substantiate this claim. 
XXXX. **Statute of Limitations** : Kindly confirm whether the statute of limitations on this debt has expired. If it has, I request that you cease all collection activities immediately and update any credit reporting related to this account. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information and expect a prompt response. If you can not provide adequate documentation, I request that you cease collection activities and remove this account from my credit report. 
Please consider this letter a formal request for all communications regarding this matter to be in writing. 
Thank you for your prompt attention to this matter. I look forward to your timely response. 
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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been unable to access my online my Equifax account since XXXX of 2023. For the past XXXX  months I have put in over XXXX support tickets to tech support to get the issue resolved however on XX/XX/XXXX a supervisor reached out to tech support who in response told them that Equifax security team put a block on my online myEquifax account in XXXX of 2023 due to suspected fraud and that I needed to send in identity documents to get the block remove in response I told the supervisor I sent in identity documents in XXXX, XXXX, XXXX and XXXX of 2024 and they still didn't remove the block off my Equifax account. So on yesterday XX/XX/XXXX I spoke with Equifax consumer affairs to a man name XXXX out of XXXX, XXXX  who seemed to be a little rude and told me that nothing was needed for me to send in and that I have to wait until XXXX of 2025 for the block to fall off and then I can create a new account I asked him why I have to wait he told me that he don't have the information of why I have to wait at this time and then he told me he have to end the call and hung up. So I called back and spoke with XXXX who in response told me that the security team will reach out to me and that's all the information he has. I called back and spoke with a lady who told me that the block will fall off in XXXX of 2024. I need access to my online Equifax now. My online Equifax account has never been use for fraud or anything of that nature. My Equifax account was use to view my credit and find inaccuracies and submit the problems to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: SoLo Funds Inc.
State: PA

Complaint narrative:
I used solo funds to fund person to person loans of approximately XXXX. When I went to withdraw my money they charged me XXXX and have refused to pay back despite many attempts to contact them.

Company response to consumer: Closed with explanation