vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to bring to your attention a serious issue concerning the inaccurate and incomplete information being reported by Experian, one of the major credit reporting agencies. Despite disputing the XXXX BANK account, Experian continues to report inaccurate details on my credit report, including incorrect addresses, payment history, and other payment-related information. This discrepancy between Experian 's report and the reports from XXXX and XXXX is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under FCRA Section 807-8, FCRA Section 623-B, sections 15 USC 1681e ( b ), 15 USC 1681s 2a1a, 15 USC 1681a 2ai, and defamation. Moreover, I want to emphasize that this account has been charged off/written off, resulting in its reporting to the Internal Revenue Service ( IRS ) as profit and loss. According to IRS regulations, this reporting categorizes the amount as personal income, and it is no longer considered a debt. Consequently, this account should not be reported on my credit report as it does not meet the criteria of a debt requiring reporting. It is crucial to note that all three credit bureaus, namely XXXX, Experian, and XXXX, are reporting different inaccurate and incomplete information about this account. Therefore, I kindly request your intervention in this matter and ask that the account be completely removed from my credit report. As a consumer, I am protected by the FCRA, which ensures that credit reporting agencies provide accurate and fair information about individuals ' credit histories. The inconsistencies and inaccuracies in Experian 's reporting not only undermine my creditworthiness but also hinder my access to fair credit and financial opportunities. Lenders and financial institutions rely heavily on credit reports when making lending decisions, and the inaccurate and incomplete information on my credit report has negatively impacted my creditworthiness and caused me to be denied credit opportunities that I otherwise would have qualified for. I am deeply concerned about the negative impact these inaccuracies may have on my financial future. Enclosed with this letter, please find copies of the relevant supporting documents, including the credit reports from all three credit bureaus, highlighting the discrepancies in Experian 's reporting. I kindly request that you remove this account from my credit report immediately.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FRADULENT, FALSE, UNAUTHOIRZED CREDIT INQUIRIES AS FOLLOWS XXXX : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; TRANSUNION : XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXXDEPT OF ED The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards,

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EQUIFAX used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EQUIFAX reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I ordered a refrigerator from Lowes Home Improvement XXXX. They did not deliver it or call me on the deliver day. I looked at my account for Lowes online and it look like it was returned to their store, so I ordered a refrigerator from XXXX XXXX instead. In the mean while, Lowe 's created a new order and tried to deliver the refrigerator. When they the delivery person called me, I declined delivery of their refrigerator. The delivery person processed my decline as a delivered refrigerator and signed " N/A '' for my signature ( THIS IS FRAUD ) XX/XX/2023. I contacted the store multiple time by phone and in person asking for them to remove the charge since I never agreed to the purchase of the refrigerator and never received the refrigerator. They keep refusing to refund the charge of {$1100.00}. They sent me a gift card and told me to pay the charge with the gift card. I went to the store to attempt to use the gift card to pay off the charge, but the Lowe 's stated the don't accept gift cards for payment. I have not used the gift card. I opened another dispute with Lowes for the charge by phone. I received a letter from Synchrony Bank/ Lowe 's account XX/XX/2023 stating that they are reviewing my claim. Lowe 's still has my account with the refrigerator marked as " Return Received at Store '' 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 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, I have received ( 3 ), different/unique, fraudulent debit cards opened in my name from CashApp. 

Each time I received a fraudulent card, I notified CashApp via their phone support. One of the steps CashApp performs when a user reports fraud is requesting the person on the phone to provide their email address, so the person reporting fraud can be sent a link to upload pictures of the card. 

On the 1st and 2nd reports, I would receive this email and would at least feel that something may happen. Despite confirming my information, on the 3rd report I had in XX/XX/XXXX, I was never sent an email. 

On the most recent phone call with CashApp in XXXX, I also requested they take further action to prevent people from fraudulently opening accounts under my name with them. I have never used CashApp, but I have been a victim of a data leak. My name, social security number and address were part of a data leak, and I now have these issues to deal with. 

XXXX  XXXX XXXX was a pleasure to work with. After my initial report to XXXX  XXXX XXXX. I have never had another fraudulent card from XXXX  XXXX XXXX. 

I believe CashApp does not take consumer finance seriously, and are either intentionally or unintentionally negligent. CashApp provides poor customer support, and does not prioritize combating identity theft or fraud on their banking platform. CashApp fails to demonstrate a basic understanding of how to prevent money laundering with know your customer ( KYC ). This is a requirement by the SEC. 

Based on the lack of email follow-up for pictures of the card with CashApp, I am certain they have not handled the matter like they have in the first two instances. I have no confidence in them preventing a 4th fraudulent account being open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, 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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WV

Complaint narrative:
I deposited a XXXX check and was told it would be available next day and theyve put a 7 day hold on it. I have no XXXX my XXXX will be shut off tomorrrow and I have people calling about job interviews. They cant keep putting holds on certified bank draft checks. Its my money and they told me itd be available next day and its not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MT

Complaint narrative:
For XXXX  years I have sent {$1000.00} through XXXX XXXX to my XXXX, XXXX XXXX XXXX XXXX. I use XXXX XXXX XXXX app. Where my bank acct XXXX card has been approved through XXXX XXXX and my XXXX name/address has been vetted. XXXX day a temp problem came up about XXXX months ago with my XXXX XXXX app. So i temp went through " Money Gram ''. XXXX XXXX ok... it went through, but the XXXX attempt money gram banned me for life from using their services. I filed a complait and i emailed a copy of the XXXX years worth of mtcn numbers starting XXXX to present with XXXX XXXX. The again claim im banned for life. I met my XXXX  at the XXXX airport in the XXXX on XX/XX/XXXX. Because of the pandemic i had to return to XXXX. I feel my XXXX  and my name have been wrongfully slandered. Why cant they do as XXXX XXXX and verify my XXXX Im very upset and money gram wont even talk to me about why. They simply say they feel uncomfortable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, WELLS FARGO used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. WELLS FARGO reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I had cosigned a note with my grandson for a motorcycle with XXXX XXXX, Due to Covid, employment was lost due to the pandemic, I worked with XXXX XXXX to repossess the bike with a verbal agreement they would not hold me responsible. This was over 3 years ago. Since that time they listed it as Charged Off Due to Natural Disaster. The account has been purchased by other organizations repeatedly, Every couple of months they change the wording on the charge off so they can resubmit this and keep it at the top of my report. My score is greatly affected and when I file a dispute and they fix it, it is reported again and moved back to the top of my reports. 

I feel this is nothing more than harrassment from the people who purchase the loans and continually sell the off to another to report it again. My credit is perfect other than this continuing problem with this from 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 2023-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
Security Finance is harassing me with continuous phone daily on an account I have already spoken to them about. They call every day, even though I have talked to them about it and my understanding is they are not allowed by law to call me for 7 days after I talk to them. They have also called me more than 7 times in 7 days. I have voicemails to this effect. I do not dispute the debt, but I have lost my job and currently have no income. I told them this but they continue to call. Do I have any recourse to stop them from harrassing me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I applied for assistance for the XXXX XXXX XXXX XXXX. 

I have a first and second mortgage on my property. The 2nd mortgage is a HELOC from PNC BANK. 
This mortgage is in my deceased husbands name. I am trying to get help from the state of Illinois and I need a 2nd mortgage statement. 
I went to PNC BANK many times, and they say they can not give me ANY MORTGAGE statement on this account. 
By law, if there is a debt, I am to receive a mortgage statement. All they are giving me is a payoff. This does not work the the program. I was denied the program because PNC WILL NOT give me a normal mortgage statement. 
Even if they state they charged this loan off their books, they still have a lien on my property, therefore its a debt, which I am required to receive a mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FRADULENT, FALSE, UNAUTHOIRZED CREDIT INQUIRIES AS FOLLOWS EQUIFAX : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$1600.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
I sent a check and requested that the amount be applied to principal. Checks are allowed so long as they are made payable to the correct entity, which was the case here, " Rushmore Loan Management Services ''.

Rushmore is refusing to process my payment to principal as requested, alleging that a check toward principal is not allowed, which I know to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I disputed the following accounts 1. XXXX # XXXX ( NoPaymentHistory/Fraud ) 2. XXXX ( Notmyaddress ) 3.Remove all old addresses, becauseofinaccurateinformation. 
4. XXXX XXXXXXXX XXXXAccount # XXXX Once this was confirmed by the bureau the account was removed then added again and my score was decreased. I am owed XXXX dollars according to the rules and regulations of fair credit reporting if I dont receive a response with in 30 days. 

On XXXX XX/XX/2023 I called Equifax consumer services and spoke with agent XXXX at around XXXX and attempted to understand the situation and check the status of my disputes that were previously submitted. I was told that I had to wait for the investigation to end. I told the agent 15 USC Code and she told me I still had to wait and then I asked for a supervisor. She proceeded and put me on hold and dropped the call after about 10 minutes. Equifax is not reporting accounts and fair information on my report. It appears they are working more with consumers to ensure false information is retained on my reports.

Company response to consumer: Closed with non-monetary relief