vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed ... DEPTEDXXXX 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 2023-07-14 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: FL

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed ... DEPTEDXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
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.

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 2023-07-14 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: AR

Complaint narrative:
I am victim of identity theft. I have submitted information to the credit bureaus and included a notarized affidavit, ftc report etc due to all accounts that have been compromised by theft. However, they have not been abiding by the FCRA laws which they should take the proper procedures to fully investigate the theft matter. They havent assured any accuracy. They are using 3rd party data-base. In continue to report false and in-accurate information.

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 2023-07-14 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: AR

Complaint narrative:
I am victim of identity theft. I have submitted information to the credit bureaus and included a notarized affidavit, ftc report etc due to all accounts that have been compromised by theft. However, they have not been abiding by the FCRA laws which they should take the proper procedures to fully investigate the theft matter. They havent assured any accuracy. They are using 3rd party data-base. In continue to report false and in-accurate information.

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 2023-07-14 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my 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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a business account at Chase Bank and gave the employee five checks a week, and she changed the date and amount at her deposal, defaced 13 times, caused more than {$5500.00} in damages, so I informed the bank and sent them the documents, copies and police reports that they wanted, and I asked for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Our home was significantly damaged in Hurricane Ian on XX/XX/XXXX. Our homeowners insurance released the last portion of our payout, totalling around {$44000.00}, to our mortgage company, Carrington Mortgage, who then turned it over to Carrington XXXX pending inspection for release of funds. On XX/XX/XXXX we had our inspection, on XX/XX/XXXX we were notified that our repairs were at 91 %, and that the remaining funds ( approx. {$44000.00} ) would be released to us. On XX/XX/XXXX, the check was denied, and they are now demanding another inspection based on the same appraisal they already had inspected. We have used everything from the insurance money, personal savings, and also funds from our business to complete repairs. We do not have the funds to complete anything else without this payment. 

After speaking with multiple supervisors, we just keep getting the run around and are repeatedly told that we need another inspection despite our payout already having been approved. This is beyond the realm of ridiculousness. They did not help or cover any of these repairs and are not entitled to a single cent of this money. It is needed to complete our repairs before we get another storm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2023-07-14 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: American Collections Enterprise, Inc.
State: NC

Complaint narrative:
RE : XXXX This company has responded to the above claim with the attached documents. These documents in no way show any commitment on my behalf to pay this alleged debt to this creditor. In fact, these documents do not even include the name of the creditor that is alleging this debt and reporting on my consumer report. A logo does not suffice. The documents that this company has sent via USPS do not include any contractual agreement between myself and any of their dbas in any way shape or form, as was admitted in their previous response. This reporting is causing issues with my ability to acquire essentials because of this negative reporting and defamatory remarks on my credit. Again, this company is violating several FCRA laws in addition to my consumer rights by reporting this inaccurate information and refusing to remove it.

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 2023-07-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
XX/XX/2023 city of XXXX XXXX approved me for {$20000.00} mortgage assistance. They said in order to get the funds my mortgage company Cardinal Financial would have to complete a vendor form, w9 and direct deposit form. I made contact with Cardinal 30 times thus far about forms being completed and as of today the forms are not completed and i feel like Cardinal Financial is refusing payment on the account while money and funds are being exhausted with the city of XXXX XXXX and if they dont recieve infomation i will loose the money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: NJ

Complaint narrative:
Rubin & Rothman. LLC Attorneys at Law sent a debt collection letter on XX/XX/ falsely representing that attorney 's were involved in this attempt to collect this alleged debt. Rubin & Rothman. LLC sent letters with the phrase " Attorney at Law '' at the top of the letter. The letter also included a payment coupon indicating that payment should be sent to the firm. Attempting to influence me to pay an alleged debt that i wouldnt otherwise do. Violations of 15 USC 1692e ( 3 ), ( 10 ). I have not given any authorization for them to communicate me and I have never had business or contractual relationship with them am unaware of any legitimate obligation owed to them. There '' s multiple companies attempting to collect on the same alleged debt which will ALL BE NAMED IN RACKETEERING and extortion compliant being filled with 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 2023-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Francy Law Firm, P.C.
State: CO

Complaint narrative:
Fancy law has harassed me, took money out of my account without notice twice. I have been paying on time the one month my credit card info was stolen and I couldnt pay she threatened to sue me and garnish all my wages until paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
After looking at my credit report I noticed a entry on my credit report that does not belong to me and this derogatory entry stems from Identity theft. The account was opened in XXXX of 2020 and the fraudulent balance is {$730.00}. I haven't called the company, however I did file a police report and identity theft report that I mailed out to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My account was put on restriction over a month ago and I was told that it was due to suspicious activity. About a week or so later I called and I was told that my account was CLOSED, however I have no received my money which is still inaccessible and I need my money. Its been over a month but no one can give me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Received an email on XX/XX/2023 stating an application for a Bank of America XXXX  XXXX  XXXX  XXXX  has been submitted in my name, XXXX XXXX XXXX my maiden name ). This is the second time this has happened. I reported the first incident as well. Previously I called Bank of America and had them shut down any account I had in my name there, and they stated they had done so. Now another account is being opened using my information again though I did not do 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 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was cash apped XXXX . To cash out instantly which is the method I chose they charged me XXXX $ and some change which made the amount come down to XXXX which was deposited into a closed bank account. Now since I chose XXXX XXXX out method cash app said there was nothing they could do and to call the bank. So I called the bank and spoke to them I was told a number of things basically given the run around. Either a check shouldve been cut or the funds should have been refunded back to the cash app account. No the funds were not returned its been almost 3 weeks since and I havent heard from either the bank or cash app about where my money has gone. This transaction happened late Saturday evening around XXXX XXXX  on XX/XX/2023. It is now XXXX and now the bank is saying the funds never hit the account and if they did they would have been systematically refunded because the account was closed where the funds were going too. The bank and cash app are no longer helping me locate the funds, nobody is telling me anything I am late on my car note and also about to be 30 days late on my rent and I could be put out because of a system malfunction that isnt my fault. I no longer know what to do or how to go about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
On Monday XX/XX/2023 someone contacted me through text message pretending to be the XXXX  I was going through to get my XXXX XXXX XXXX XXXX  and told me I could send some of the money through cash app so I sent {$320.00} to their cashapp then noticed the night before I tried to send a friend {$25.00} and it wasn't sent to her it went to the same one the got the {$320.00}. I went in to the XXXX  office after waiting at the XXXX  for them for 3hours and showed them the messages and everything and they told me it wasn't them and they couldn't help me. I went into my cash app and tried to cancel and it wouldn't let me do I contacted cash app and reported the scam told them I had copies of the message and they said there's nothing they can do but they advice me to request the money back and I told them I tried that but it says I'm unable to request it and they told me still there's nothing they can do and ended the chat. When I spoke to them on the phone they told me the same that they couldn't do anything and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 have filed an identity theft report because someone has used my identity information ( name, social, phone, etc to open accounts in my name. They have also opened a XXXX XXXX  bank account with my information and a different address. I have spoken to the XXXX XXXX XXXX restoration case team on several occasions. They have been helpful but there are still fraudulent accounts coming up on my credit report. I put a freeze on opening any new accounts

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 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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

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 2023-07-14 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: Experian Information Solutions Inc.
State: IN

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. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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