vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-10 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: MI

Complaint narrative:
On around XX/XX/ my account was information was compromised without my knowledge and used to make multiple unauthorized transfer, payments and withdrawals. I also had several payments for services never received withdrawn from my account. When i contacted cash app regarding these transactions my account was immediately closed and I was not given any further assistance. Ive been trying to receive assistance in retrieving my stolen funds and Ive run into road blocks each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT, THE LISTED ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX  FOR {$1900.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$650.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$460.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXXXXXX XXXX FOR {$390.00} OPENED XXXX XXXX, XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
On multiple occasions i attempted to reach my mortgage servicer Newrez. All of the phone numbers listed on their website XXXX XXXX XXXX XXXX  are unreachable/disconnected. I then attempted to reach them using their contact form on their website over a week ago and there has been no response. At this point I am worried that this company is acting in a fraudulent manner. 

They sent me a packet in the mail with a letter informing me that I recently asked for mortgage assistance. I never requested mortgage assistance. I do not know why they sent this packet, and I feel that I should be able to communicate with this company. I don't know if there's some kind of fraud happening, but It's not a good sign that all their phone numbers on their website are disconnected

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I didn't begin these requests, and I have no alliance with these XXXX XXXX Kindly remove them from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I received a new mobile phone and had to create a new XXXX email. I no longer have access to my XXXX email that I used to initially set up Venmo. I have tried several times to chat with an agent to help log me in, however Venmo auto self help support which is all they offer only repeats itself and I can not log in. The Venmo support help is nonexistent. Please help me log in. 
However, my phone number remains the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed a negative reporting accounts on my credit reports. XX/XX/2024, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, XXXX and TRANSUNION for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 
Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX XXXX and transunion failed to mark as disputed. 

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

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 2024-04-10 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: FL

Complaint narrative:
I noticed a negative reporting accounts on my credit reports. XX/XX/2024, 30 days ago I sent a certified mail disputing the accounts. I have no heard back from any of the parties mentioned. 

I am writing to get compensation for breaking the law and getting me denied when applying for credit due to their false reporting information. 

FDCPA 809. Validation of debts & FCRA Under 15 U.S. Code 1692k - Civil liability, FCRA 15 USC 1692g : Validation of debts 15 U.S. Code 1692e - False or misleading representations also XXXX, EQUIFAX and XXXX for not responding to my disputes in 30 days. According to the FCRA they have 30 days to verify and provide accurate information on my report. Also to provide whom they spoke to and " verified '' this false collection / charge off on my credit reports also want to sue for damages caused when applying for credit during the last 30 days. 

Under 15 U.S.C. 1681 also have not validated 15 USC 1692g : Validation of debts I am owed in damages and need to have the negative items removed asap. 

Also XXXX equifax and XXXX failed to mark as disputed. 

15 US Code 1681s-2 ( 3 ). Failure to provide notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I do not have an open credit card with Capital one bank nor a card in my possession. I am listed credit report for having open credit card account with Capital One bank with over XXXX balance. Have no knowledge of this card nor did i ever authorize or open a credit card with them nor charge or owe a debt or balance in this amount. Have XXXX closed capital one credit card with {$570.00} balance that i currently owe and am making payments on. My name is XXXX XXXX XXXX and it shows a card opened with my address and social however in a fraudulent last name. I am not nor claim to be XXXX XXXX and do not have a card in this name nor have i ever used opened or had access to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report, i was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2024-04-10 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: NY

Complaint narrative:
I have been struggling to get this negative account off my credit report. I have report this fraud, contacted original creditor and I am still not seeing any results. The account name is XXXX XXXX  and XXXX XXXX. I never knew anything about this account until I found out it was reporting on my consumer report. I had found out that it was attached to an address that was my ex boyfriends. I had just got results from getting the address that was not mine off my consumer report. I am still seeing this negative account and I would truly appreciate it if you can assist me in getting this negative account removed.

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 2024-04-10 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: IA

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 2024-04-10 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: IA

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 non-monetary relief
Consumer complaint received 2024-04-10 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: LEXISNEXIS
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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank unexpectedly send me a letter that their closing my macys American Express card I was a good customer and now they want to get rid of me why?? I did nothing but pay them on time

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 2024-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-10 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: GA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I have called the following phone numbers with no resolved issues. 
XXXX 3x and was hung up in everytime. 

XXXX 3 x- never got through the automated services, placed on hold with no music or options for multiple times. 

XXXXx2- called and reported multiple times. To be hung up on. 

I was not aggressive and or rude the first XXXX phone calls. 

I have then got onto a text with Transunion to report a credit drop for the second time in less than 6 months with no inquiries or negative marks. 
In fact I paid everything and should have a XXXX credit score only to have a random credit drop occur with no trace of why.

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 2024-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: OK

Complaint narrative:
On XX/XX/2024, I contacted the firm at XXXX and was connected to an individual named XXXX XXXX. During this conversation, XXXX XXXX explicitly represented himself as a " legal aid. '' This representation is misleading and incorrect, as there is no evidence to suggest that XXXX XXXX is an attorney or legally qualified individual. I believe XXXX XXXX is associated with XXXX  in XXXX, XXXX, an outsourced customer support client working in conjunction with Linebarger Goggan Blair & Sampson , LLP. It is critical to note that outsourced customer support agents, or any agents of a debt collector, should not misrepresent themselves in any capacity relating to legal professions. 

Furthermore, during a subsequent call to the firm on XX/XX/2024, I spoke with XXXX XXXX, another representative of the firm. During our discussion, XXXX XXXX incorrectly informed me that my debt could not be included in a XXXX  filing. This statement is factually inaccurate and appears to be a deliberate tactic to pressure me into a debt settlement under duress. 

These incidents are examples of a pattern of misrepresentations and unethical tactics employed by the firm 's representatives. Such practices are not only misleading but also exert undue pressure on debtors, potentially infringing upon their legal rights and options. 

I bring these issues to your attention to seek an appropriate investigation and resolution. These practices are alarming and potentially in violation of the Fair Debt Collection Practices Act ( FDCPA ), requiring immediate attention and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-10 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: OR

Complaint narrative:
I found inaccurate/false credit reporting on my credit report information for debt. That does not belong to me. utility bill/collection in a state that I do not and have not ever lived in. Please remove this from my report. Thank you.

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 2024-04-10 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: GA

Complaint narrative:
The account open date is according to Experian is XX/XX/2019. The date that is considered the open date has been inconsistently reported. On XXXX, the opening date is XXXX XXXX. If the information is coming from the original creditor, the opening date should be the same. We can not say these are 100 % accurate so it is deemed INACCURATE. This inaccurate information falsely manipulates the credit worthiness, and it is hurting my ability to obtain credit. Experian failed to investigate this account properly after I repeatedly asked to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account XXXX XXXX, Account number XXXX. I have attached a copy of my credit report and highlighted the inconsistent and inaccurate 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 2024-04-10 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: MI

Complaint narrative:
I am writing to you for the tenth time in an attempt to resolve persistent inaccuracies on my Experian credit report. Despite multiple requests for reinvestigation, the responses received have not adequately addressed the discrepancies in question.

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