vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. XXXX writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my XXXX XXXX XXXX account. 
I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, a dispute was filed with credit agencies under the FCRA, 15 U.S.C. 1681, challenging certain information on the credit report. After 30 days without a response, another dispute was filed. Currently, a third letter is being prepared, including an identity theft report, requesting the agencies to block or remove the disputed information within four business days as per the FCRA. Additionally, a dispute was filed through the CFPB and another one is being filed through the CFPB with the identity theft report. removed listed inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2024-06-07 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and XXXX XXXX XXXX. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a XXXX XXXX XXXX XXXX XXXX and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you XXXX help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, 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 2024-06-07 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: Chime Financial Inc
State: PA

Complaint narrative:
I am writing to request the immediate closure of my XXXX XXXX account, which I have never used, and to demand the cessation of inaccurate reporting of this account as a loan to any credit bureaus. The {$XXXX  reported on my credit report is not a loan and its representation as such is false and unauthorized. 
The continued presence of this inaccurate information on my credit report is causing me undue hardship and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and authorization of information provided to credit bureaus. 
Therefore, I am requesting the following actions be taken immediately : Close the Account : Close my Credit Builder account with XXXX XXXXXXXX XXXX XXXX. 
Cease Reporting : Stop reporting any information related to this account to any credit bureaus. 
Notify Credit Bureaus : Contact all credit bureaus to which you have reported my information and request the removal of any records related to this account that you have submitted. 
Provide Confirmation : Provide me with written confirmation that the above actions have been taken within 15 days of receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Incorrect Returned Payment Charges on capital one Credit Card Statement I have 2 accounts with capital one. I am writing to bring to your attention an issue with my recent credit card statements. It appears that several payments I made to my Capital One account have been incorrectly recorded as returned payments. Consequently, these payments are being reflected as charges on my account instead of credits. 

For example, I made a payment of {$200.00}. However, my statement indicates that this payment was returned. I have verified with my bank that this payment was successfully processed. 

Despite my attempts to resolve this issue through phone conversations with customer service representatives, the error remains unresolved. I am requesting a thorough review of my account to correct these inaccuracies. The payments in question were successfully processed and should be accurately reflected as credits on my account but then on their statement it says they received it and then it says returned so then its like if I never made that payment and this is on multiple payments. Since then they have closed my accounts I was making multiple payments monthly. XXXX I will gladly forward all statements to support my complaint. 

Thank you for your attention to this matter. I appreciate your prompt resolution of this issue and look forward to your response. 

Sincerely, XXXX XXXX -- - Attachments : XXXX. Bank Statements Confirming Payments ---

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

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 2024-06-07 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-07 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: IL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2024-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
XXXX XX/XX/year> I closed a contract to build XXXX XXXX using my VA loan it was to be converted to permanent loan after 12 months XXXX XXXX XXXX XX/XX/XXXX {$280000.00} was paid to XXXX XXXX XXXX XXXX  The builder breached contract around XX/XX/year>. I contacted the mortgage company I kept them informed from XXXX XX/XX/XXXX to present. I was told that the contract was between me and builder and they could not make him complete work. I have been unsuccessful in getting lawyer. I did have attorney send out letter from the XXXX XXXX legal but builder didn't respond, I submitted complaint to XXXX  XXXX XXXX XX/XX/XXXX no response from builder cased was close after several failed attempts to reach builder. I contacted XX/XX/XXXX In XX/XX/year> in XX/XX/year> I was told it was a contract issue out of there scope to investigate. I provided lender with copies. I reached out to XX/XX/XXXXXXXX department XXXX XXXX I was told nothing they could do I have to get attorney. Meanwhile I received email on XXXX XXXX the lender stating I will be in default if the construction not completed by XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

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 2024-06-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: Block, Inc.
State: RI

Complaint narrative:
I have been referred to square for a POS system. It was fine for a while until I actually started to have money coming in. Right before the year was over in 2023 I had a customer spend over XXXX in XXXX month. For some odd reason they couldnt or would process a XXXX charge, so we separated it into a few payments. Due to that they made me jump through hoops to even collect the money. I couldnt cash out for weeks or days sometimes. So I guess on XXXX of my final transactions which was lower than any of the other transactions put my account under high risk. Due to this I was unable to cash out my money since XX/XX/year>2023. Almost 6 months later XXXX just sits in a wallet I can never access that just says pending deposit and changes the deposit date everyday. Im just tired of the run around of this company because when your account is flagged high risk they wont even talk to you. You cant even get a valid response as to why they cant deposit my money even though they flagged my account. Even if I cant use them moving forward in at least owed the money thats owed to me. They should have never let me make purchases and give out products if this is how they run business. I was unable to continue my life or even maintain the business I had due to the fact I have money that can change my life that I cant touch. Im really frustrated at this point and I dont know who to turn to because all they can do is just deposit my money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MD

Complaint narrative:
I was taken to court by XXXX XXXX XX/XX/XXXX for the same debt XXXX is saying that I owe XXXX XXXX untility company. In my first attempt to resolve this collection, I was contracted by XXXX at the same time I received notification that XXXX XXXX attorneys were taking me to court. XXXX told me that you are not being taken to court we are assigned to this case by XXXX XXXX. I gave the representative my docet number and he told me he would call me back. I heard nothing further from them. 

I go to court XX/XX/XXXX and settled with XXXX XXXX attorneys, but when I reviewed my credit report I still see XXXX on my credit report along with another collection agency XXXX who was reporting the same information. I disputed the collection on XXXX and XXXX deleted the collection but XXXX updated it. 

I called XXXX again about this and they explained I would have to send them documents from court showing that I paid the debt because XXXX XXXX says that I owe it. I sent the court document from XXXX XXXX proving that XXXX XXXX and I were in court, we settled and the case was dismissed by the judge. I then sent not only XXXX this document, I sent it to XXXX and XXXX too. XXXX called me and said that they received the document but XXXX XXXX wants to see the stipulation. I said why would XXXX XXXX want to see the stipulation if they are the ones that took me to court? I then asked XXXX to reach out to XXXX XXXX to get that information. The document I sent you is public information from Maryland Court Records and I do not owe any money to XXXX. 

Today, I see that XXXX reported that XXXX says I owe them even after uploading my documents. Not sure what else to do at this point. This company is reporting in accurate information and in my opinion fraud.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation