vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 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: MI

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-07-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed are a picture ID, a bill, 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 four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable its which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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 am writing to formally request the removal of an inaccurate bankruptcy entry on my credit report. Despite multiple requests, the credit bureau has failed to provide satisfactory evidence or documentation validating the accuracy of this disputed item. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), this validation is required, and sufficient time has passed without compliance.

In my original complaint, I attached two letters from reputable sourcesXXXX and the bankruptcy courtboth clearly stating that they did not provide this information to the credit bureau. Furthermore, XXXX confirmed the deletion of this erroneous data from their system. The bankruptcy court explicitly stated they did not furnish the information to the credit bureau. 

Given the lack of validation within the statutory period and the compelling evidence of inaccuracy, I demand the immediate removal of this bankruptcy item from my credit report in accordance with FCRA guidelines. 

The continued presence of this incorrect information has had severe financial and emotional repercussions, including the loss of job opportunities.

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 2024-07-31 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: IN

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-07-31 00:00:00
Product: Mortgage — USDA 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: AmeriHome Mortgage Company, LLC
State: MS

Complaint narrative:
This will be the second time this year I have had to start a claim with this company. The first time was due to them losing paperwork causing us to go from XXXX in debt to XXXX and almost losing my home. Amerihome sent us a package in XXXX to sign and have notarized to do our loan modification. We went through the proper steps and sent the paperwork back. I called 3 days later to confirm they received the papers and was told they did and the papers were currently with the underwriters. About XXXX weeks after we received another packet of the same paperwork stating the notary did not date, so we went back up and did them again making sure to have everything signed and dated properly and taking picture proof of each page. We sent them back via XXXX  and called 3 days later to check on the status. The company confirmed that the papers were received. It now has been a week and I have received another copy of the same exact papers with the same exact excuse saying the notary did not date. I called the company after receiving the papers, and the lady with the company said it doesn't show anything in my account about any agreements made, papers sent out, or papers received. This agreement of a loan modification is time-sensitive and only stands for a short period of time. They continue to delay the process which could cause us to lose the agreement and ultimately lose our house. At this point, we are trying to figure out why our account does not show anything about the agreement or paperwork. Our house has way more equity than what is owed, so they are trying to make it to where we lose our house to them so they can profit.

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 2024-07-31 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: TX

Complaint narrative:
To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. ( XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated 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 2024-07-31 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: TX

Complaint narrative:
To whom it may concern : I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

Accounts XXXX. ( XXXX XXXX ), Delete this account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Once you have deleted the accounts from my credit report, please send me a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/year> : I attempted to add {$600.00} to my CashApp card using my TD Bank debit card. Since I had less than this amount in my bank account ( I only had {$470.00} ), my bank rejected it. However, when I checked my bank account balance, it was at exactly {$0.00}. I investigated further and CashApp took my the entire {$470.00} balance even though I never requested this amount. Furthermore, my bank rejected several attempts of mine to add funds because I did not have enough. Screen shots attached. 

I immediately contacted CashApp through chat option. Dismissive representative. Did not understand my concern and could not wait to end the chat. Suggested someone had hacked my bank account/ CashApp even after repeatedly saying this is NOT the case. I contacted my bank, TD Bank, and they stated multiple times that the transaction is PENDING and thus, they can not help dispute it. They told me to reach out to CashApp and tell them to release the hold. I called CashApp this time instead of chat, and they placed a " ticket ''. Manager said transaction will drop in XXXX business days. It has been XXXX business days and it is still pending in my account. I still do not have my money, and no one knows where it is. This is straight up thievery in my opinion. I am not a rich person by any means and every dollar helps. Institutions like CashApp who DO NOT care about their consumers should be a taught a hard lesson.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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:
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 XXXX XXXX XXXX am filing this report to urgently address and demand the removal of several inaccuracies on my credit report. These inaccuracies are unjustly affecting my creditworthiness and must be corrected immediately. The accounts in question are : Inaccurate Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Applicable Fair Credit Reporting Act ( FCRA ) Laws : 1. Section 605 - Requirements Relating to Information Contained in Consumer Reports ( 15 U.S. Code 1681c ) Obsolete Information : The FCRA mandates that consumer reporting agencies exclude outdated negative information, ensuring that only accurate and current data is reflected.

2. Section 611 - Procedure in Case of Disputed Accuracy ( 15 U.S. Code 1681i ) Reinvestigation of Disputed Information : The FCRA requires credit reporting agencies to investigate any disputed information within 30 days. Inaccurate, incomplete, or unverifiable information must be corrected or deleted promptly.

Notification to Furnishers of Information : The credit reporting agency must notify the furnisher of the disputed information within five business days.

Provision of Results : Upon completion of the investigation, the agency must provide a detailed response, including the results of the investigation and an updated copy of the credit report if changes occur.

3. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S. Code 1681s2 ) Duty to Provide Accurate Information : Furnishers must provide accurate data and correct any erroneous information they discover. 
Duty to Investigate Disputes : Furnishers are obligated to investigate disputes received from credit reporting agencies, reviewing all pertinent information and reporting back to the agency.

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 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank partner with Amazon and I had a credit limit of XXXX. For absolutely no reason and I always paid on time they lower my credit limit to XXXXXXXX XXXX Than I decided to close my account since this drastically damadge my credit rating & report. I close my account and I owe XXXX XXXX and they began to add fees even after the accoutnwas close. The fees came to XXXX each time. In less than 150 days the additional fees have amounted to more than XXXX XXXX Note that the my account has been close for over 5 months. If I got a fee every month of XXXX dollars that would euqal XXXX and thats not even half of what they now lie that I owe. I never use my credit to accumulate the over XXXXXXXX XXXX XXXX They have all been added fees by arbitration nor does my credit limit even allow me to extend beyond the deducted XXXX dollars they have self impose. Synchrony Bank is operating in fraud and deceiving its customers who believe their accounts have been close. I close my account in XXXX and they can not be allowed to damage other peoples credit like this. They manipulate their banking system and create false realities. I have tried to buy a home and get a loan and they have prevented me from doing so. They need to pay for the damages that they have done for deceptive practices.

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 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have been charged back by PayPal credit for credits I received that where and are due to me PayPal credit charged me twice in XX/XX/year> That should not be

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 2024-07-31 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
I want these inquires to be deleted because i did not authorize these companies to run my credit its fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: NY

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS KIKOFF Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CELTIC/CONT Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY TBOM/FORTIVA Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting TBOM/ASPIRE Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS SELF / LEAD Account Number : XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS TBOM/ACC Date of inquiry : XX/XX/year> Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS YATESBUICK Date of inquiry : XX/XX/year> Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: MD

Complaint narrative:
They have reopen my case and did not send a letter advising and XXXX XXXX or XXXX has been calling me constantly non stop and leaving voicemails. I have ask him before to not call and to either email or send a letter. I have not gotten a new letter or anything but case was reopened on XX/XX/2024 and I was not aware. I had a situation where I have proof that I was facing which was eviction. I was homeless for two months and had to take care of that due to me being a single parent I had to do what I got to do. I am now wanting to go over and beyond with this company because that is totally unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: LEXISNEXIS
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I am writing to dispute the validity of the debt referenced in your recent communication to me, which you are attempting to collect and have furnished on my credit report. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Tennessee state laws, I request that you provide me with the following information to validate your authority to collect this debt :

Company response to consumer: Closed with explanation