vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I FILED A POLICE REPORT AND IDENITY THEFT REPORT AND SENT TO A COMPANY CALLED XXXX XXXX. I LIVE IN XXXX AND THIS OCCURED IN XXXX XXXX. I HAVE NOT RECEIVED ANY GOODS OR GAIN ANYTHING FROM THIS COMPANY AND THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.

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 2024-04-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
XXXX XXXX keeps reporting to my credit report that I owe them a debt. I do not owe this company anything. I disputed this matter on my credit reports when they sold the debt to XXXX XXXX XXXX and it was removed from my credit report being that they could not prove that I owed the debt. They can not prove that I gave them my social security card, my drivers licenses or an address where the service was used that I have lived. Once it was removed from my credit report they illegally sold it to another company Bull City Financial who did a soft pull on my credit report without my permission illegally in XXXX ( this is their tactic to make it seem as if someone applied for service from them ) I never applied for anything or gave this company they sold it to Bull City Financial. It destroyed my credit score and Im in the disputing matter right now. I do not owe this company and am a victim of identity thief. They can not show me that I owe anything. And kept selling my social security number to other creditors without validating any of my information. They have not sent me any notices by mail or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CT

Complaint narrative:
I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report. 

Upstart network account # XXXX This account information is not accurate I ask for a debt validation proof of signature or any sign document that connect or provide proof that this account is mine. 
Just a update from the credit bureau says the account is updated or verified!!

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 2024-04-23 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: GA

Complaint narrative:
Hello my name is XXXX XXXX XXXX. I am writing this complaint after reviewing my consumer report. EXPERIAN is reporting a bankruptcy reference # XXXX to my consumer report and I have no idea where they got this information from. XXXX is reporting a bankruptcy reference # XXXX to my consumer report as well. I have no idea where EXPERIAN and XXXX received this information from to put on my consumer 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 2024-04-23 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: 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.

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 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I received an alert from XXXX XXXX last XX/XX/XXXX that I have an account that was put in collections. I checked my XXXX XXXX account ASAP and it's showing that a company named XXXX XXXX XXXX ( XXXX ) has filed a collection against me in the amount of {$310.00} and was placed as a derogatory account for non-payment. The account was opened last XX/XX/XXXX under SPEEDY CASH and I believe that it was forwarded or purchased by XXXX. The amount of {$310.00} was reported for collections and as derogatory last XX/XX/XXXX. I DID NOT open this account. I immediately filed a dispute with XXXX Credit Bureau that same day ( and I believe that XXXX also notified the other credit bureaus, XXXX and XXXX ). XXXX informed me that the estimated date of completion for the investigation will be on XX/XX/XXXX. After filing a dispute with XXXX, I called XXXX and filed a dispute at the same time. I talked to XXXX XXXX from XXXX. I told him that I NEVER opened an account with SPEEDY CASH and I don't own this account. He said that they will take note of the dispute filing and gave me this dispute account # : XXXX. After calling XXXX, I put a freeze/lock on my accounts with the 3 credit bureaus ( XXXX, XXXX and XXXX ). Up to this day, I haven't heard from XXXX. 

On XX/XX/XXXX, I called XXXX and talked to XXXX to follow-up on the status of my dispute and she told me that per report, XXXX rejected my dispute and claims that I opened the account. The same dispute results is showing in my XXXX account. XXXX from XXXX advised me to file a police report and gave me this website, the reason that I'm filing it today. 

Here 's the information of the creditor that I want to file a dispute : XXXX XXXX XXXX XXXX Speedy Cash  XXXX ; XX/XX/XXXX - account was opened ; XX/XX/XXXX - reported as derogatory/reported for collections ; {$310.00} - amount of collection ; Dispute Account # : XXXX ; XXXX *NO DOCUMENTS TO PROVIDE ; I DID NOT OPEN THIS ACCOUNT!!! 

Just for the record, I also received a letter from the XXXX dated XX/XX/XXXX that I may be a victim of Identity Theft. I also filed a FRAUD ALERT request with XXXX and they notified both XXXX and XXXX with regards to the fraud Alert. Actually, this is the second letter that I received from XXXX. 

Please let me know if you need any more information. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have contacted these companies about incorrect information reporting on my credit report. Please update my correct name and address and delete all other inaccurate information. I want one name and one address reporting only. All other information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the fall of XXXX, I disputed a collection account posted by XXXX XXXX XXXX on both XXXX and Trans Union. After 30 days, the collection account was deleted. Either XXXX XXXX XXXX did not timely respond or agreed to remove it, However with the next reporting cycle, the collection account reappeared, I notified both Trans Union and XXXX. XXXX blocked the collection account from reappearing but Trans Union did not and did not explain why, Please note that in XXXX, I sued Trans Union for the exact same issue, therefore this issue apparently has never been fixed with there system.? the lawsuit was filed in the NDTX and was settled in my favor with a payment to me. 

The underlying account was for a lawn service by a company that promised certain things and failed to deliver so we fired them. We use a different service now and have for awhile,

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 2024-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TN

Complaint narrative:
Hi there, I look a 30 year conventional loan with XXXX XXXX XXXX  for my house in XXXX. At that time I took house insurance with XXXX and updated the escrow details. Since then, I did not change my insurance company. The Loan was transferred from one lender to another and I did not do anything with insurance transfer. Recently, my loan moved from XXXX XXXX to Round point Mortgage service LLC. After the my payment increased from {$1300.00} to {$1600.00} because they applied their own insurance of {$3100.00} since progressive ( Writer - American strategic insurance ) did not provide proof of insurance. 
When I contact XXXX, they said Mortgage company did not pay for it. This went and for couple of months ( XXXX and XXXX ) where I paid {$1600.00}. Now i got a new insurance with progressive starting XX/XX/XXXX. The new insurance increased because I did not make payment before. 
So, wanted to raise a complaint to see who is responsible for this?

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 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I received XXXX $ from XXXX XXXX company that was deposited to my cash app XX/XX/2023. Approximately XXXX XX/XX/2023 I was XXXX  for failure to appear. ( XXXX later I was XXXX  XX/XX/2023 ) My account was scammed XXXX cents at a time From XXXX via cash app. 
Ive filled a complaint XX/XX/2023 waited 90days still no refund no response. Cash app restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
My information was sold and bought illegally because l was a victim of the Equifax data breach. I have phone them several times and nothing has been done. I have received no settlement whatsoever even though I have sent multiple claims. They all have gone unanswered. I want all the fraudulent items Deleted from my credit reports effective immediately. I attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. My credit was XXXX before I went into the hospital for a year when I came out its now XXXX this is unfair unjust and unethical. Especially since Ive already informed them and they in fact told me that I was a part of the breach. I shouldnt have to go through so many hoops for them to rectify there mistakes. Especially after serving my country. I really need this remedied and would like to know what happened to my settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

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 2024-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
{$40000.00} sent from Coinbase account to an unknown outside wallet without my authorization or knowledge on XX/XX/25. Did not receive any notice of this transaction. Reviewed my transaction history and saw the transaction. Have tried to talk to a live rep from Coinbase to find out what happened looks like identity theft. Have not been able to talk to a live rep, however, was able to live chat explained the issue but rep only told me crypto XXXX was sent to an outside wallet that he would not identify, he/she, I asked for my total account balance which he did not provide. He then locked my account and signed off. My account balance seems to be {$0.00} from the Transaction History Report.

Company response to consumer: Closed with explanation