vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 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: CA

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2024-06-16 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: Block, Inc.
State: WA

Complaint narrative:
I had a client make a {$20000.00} donation to help save my company. So I used square to process that so that there was a record of it. Square flagged it, closed my account, and sent me an email they would hold my funds until XX/XX/2024. I sent them the info they wanted and they said so sad too bad. So then I sent them An email complaining and now In retaliation they went and further stated that now my funds would be held until XX/XX/2024 In the mean time Im losing all of what I worked so hard for

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: MD

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

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 2024-06-16 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: MD

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

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 2024-06-16 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: TN

Complaint narrative:
I tried on multiple occasions to get inaccurate information removed from my report by sending signed notarized letters to this company. I request that closed accounts be removed due to being outdated and/or inaccurate. They refused. I have sent notices requesting information from original creditors to be sent to me. This issue is affecting my life to move forward. They are reporting late payments on closed accounts that need to be removed. The investigation is inaccurate and they are ruining my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Wednesday XX/XX/year> and again XXXX XX/XX/year>. The reps when calling experian by phone at number : XXXX from my phone number : XXXX XXXX XXXX are refusing to open up disputes on my credit report. The app and website both say i have to call when offering the option. I told them this very politely and on several occasions both days the reps and supervisors refuse to open credit report disputes for invalid inquires. There should be no approved inquiries in last XXXX  days on my credit report. Experian refuses to assist when i call. XXXX refuses to open credit inquiry disputes by phone when i call. Yelled shouted and refused on multiple occassions. A violation of law. Refusing to service or open a inquiry dispute. We should civily sue the phone reps for tort and the company to. This was a problem in the past too that has prevented me from home ownership and other perks since the negative reportings they refuse to fix. Can you assist in disputing the XXXX credit inquiries on my report i dont know about that occurred in the last XXXX  days? Can i call someone directly?

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 2024-06-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On Wednesday XX/XX/2024 and again XXXX  XX/XX/2024. The reps when calling experian by phone at number : XXXX from my phone number : XXXX XXXX XXXX are refusing to open up disputes on my credit report. The app and website both say i have to call when offering the option. I told them this very politely and on several occasions both days the reps and supervisors refuse to open credit report disputes for invalid inquires. There should be no approved inquiries in last XXXX  days on my credit report. Experian refuses to assist when i call. XXXX refuses to open credit inquiry disputes by phone when i call. Yelled shouted and refused on multiple occassions. A violation of law. Refusing to service or open a inquiry dispute. We should civily sue the phone reps for tort and the company to. This was a problem in the past too that has prevented me from home ownership and other perks since the negative reportings they refuse to fix. Can you assist in disputing the XXXX credit inquiries on my report i dont know about that occurred in the last XXXX  days? Can i call someone directly?

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-16 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: MD

Complaint narrative:
I disputed inaccurate information with TransUnion in regard to this account XXXX XXXX XXXX ( Account # XXXX ) multiple times. TransUnion is still reporting my information as accurate. After checking my credit report the information is still obviously inaccurate! XXXX XXXX XXXX DELETED this account from my report after reinvestigation. ( SEE ATTACHED DOCUMENTATION ). You receive your data from the same creditor. This is clearly inaccurate that TransUnion has updated the account XX/XX/year> ( SEE ATTACHED ) still reporting inaccuracies. How did TransUnion verify this information? Please provide documentation. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disrupted by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Im asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Balance {$110.00}, Request : Delete account 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 2024-06-16 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: MD

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after XXXX written requests is also evidence of their willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE CREDITOR FAILED TO PROVED A XXXX MONTH BREAK DOWN OF REQUIRED PAYMENTS TO PAY THE OUTSTANDING BALANCE. 


( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in XXXX  months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over XXXX  months THIS IS A VIOLATION OF : XXXX. 15 us code 1666 ba ( you have NOT adopted reasonable procedures. 
XXXX. 15 us code 1637b 11 B ) iii ) ( see above highlighted section ) XXXX. 15 us code 1681 s-2 ( you are reporting incorrect 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 2024-06-16 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was dating this person for 6 years and without my permission my information was being used. I contacted all parties who was involved and ask them all to provide me with copy of any agreements and contracts. No one has done so and I been fighting none stop with the credit bureaus to do a thoroughly investigation and not accept just words of mouth. This has really Damage me my life and my credit. I need someone help because I'm afraid that nothing going to happen and I'm going to continue to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I was dating this person for 6 years and without my permission my information was being used. I contacted all parties who was involved and ask them all to provide me with copy of any agreements and contracts. No one has done so and I been fighting none stop with the credit bureaus to do a thoroughly investigation and not accept just words of mouth. This has really Damage me my life and my credit. I need someone help because I'm afraid that nothing going to happen and I'm going to continue to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: CrossCountry Mortgage LLC
State: UT

Complaint narrative:
On XX/XX/year>, CrossCountry Mortgage 's payment processing vendor, XXXX withdrew {$1600.00} via ACH from our checking account. Our initial contact to CrossCountry Mortgage resulted in a research confirmation letter that indicated they were also looking into a payment for {$1400.00} applied to our loan on XX/XX/year>. This was not a payment we made, nor was this amount withdrawn from our checking account. An attempt was made to withdraw {$1600.00} from our checking account on XX/XX/year>, but was rejected because the balance in our checking account wasn't enough to clear the transaction, thankfully. If we had had the balance to cover that transaction, the total of {$3200.00} would've been the total amount of unauthorized ACH withdrawals. We have contacted CrossCountry Mortgage 4 times, 3 of those calls were transferred to their escalation team. Every member of the escalation team we have spoke with has told us they would contact us via email and/or phone. No follow up contact on these has been made to us to date. 
We filed a complaint on XX/XX/year> with the XXXX XXXX XXXX  and received confirmation from CrossCountry Mortgage on XX/XX/year> that the issue is being researched. As of today 's date ( XX/XX/year> ) we haven't had our funds returned. 
With my knowledge in consumer banking, working as a Manager in Retail Deposits Operations, I have had to coach CrossCountry Mortgage representatives on how ACH processing with the Federal Reserve works - specifically returning ACH transactions. I had to point representatives in the direction of getting their vendor, XXXX, to review the transaction. CrossCountry Mortgage doesn't show the {$1600.00} on their core system. 
To submit an Unauthorized ACH Dispute ( Reg E ) with our bank will require us to close our current checking account and open a new one. This will lead to us having to update bank info for all our monthly payments- including our mortgage payment with CrossCountry Mortgage.

In addition to this issue, we set up bi-weekly payments with CrossCountry Mortgage in XX/XX/year>. Bi-weekly payments were set up with the intention to save on interest. CrossCountry Mortgage made it nearly impossible to set this up with their process. We have discovered that although we are having the bi-weekly payment of {$850.00} withdrawn via ACH from our account, CrossCountry Mortgage is holding these funds and only applying the payment to the loan once a month. We believe this is a violation of Reg Z as it is allowing them to charge us interest while holding our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB Corporation
State: PA

Complaint narrative:
USCB CORP Last reported XX/XX/year> Account Details Account type Other Loan Account status Open Balance {$1800.00} Monthly payment {$0.00} Interest rate 0.00 % Date opened XX/XX/year> ( XXXX mos ) looking for all proof of owning debt to this agency have yet to receive any information or correspondence

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 2024-06-16 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: FirstPoint Collection Resources
State: CA

Complaint narrative:
Rephrase the following I am writing to file a formal complaint against FirstPoint Collection Resource for engaging in a practice commonly known as debt parking, which, according to the Federal Trade Commission ( FTC ), is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I recently discovered that FirstPoint Collection Resource has reported an alleged debt onto one or more of my Consumer reports with the consumer reporting agencies without making a good-faith effort to contact me, the consumer, as required by law. The FTC clearly stipulates that debt collectors are prohibited from reporting an alleged debt to consumer reporting agencies without first attempting to reach out to the consumer to discuss and verify the debt. The specific details of my complaint are as follows : 1. Alleged Debt Reporting : FirstPoint Collection Resource has reported an alleged debt to one or more Consumer reporting agencies without any prior communication or attempt to contact me regarding this alleged debt. This action not only violates my rights under the FDCPA and FCRA but also undermines the fundamental principles of fair and ethical debt collection. 2. Lack of Verification : Without any prior contact or attempt to reach me, FirstPoint Collection Resource has reported this alleged debt, which raises concerns about the accuracy and validity of the debt in question. By failing to follow proper procedures, they have left me without the opportunity to verify or dispute the debt as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
My mom passed away and as i was securing nancing to lay here to rest, i was alerted to accounts being on my credit report that didn't belong to me, XXXX XXXX XXXX, XXXX XXXXXXXX, these accounts are severely impacting my credit me for helping laying my mom to rest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called earlier today on XX/XX/XXXX, about my credit card XXXX that was opened in XXXX I never recieved a card then and only noticed this account was opened when I received a bill to pay I tried to call then. I was referred by the online chat to call the customer service line. I called the customer service line and the call was picked up and told they could not help me and to call back in 1-2 hours. I told the online customer service support this and they told me that I should call back again. Ultimately, I asked to speak to someone who could better assist me and was referred back to the number that is not working. 

At the end, I was defeated after having paid a previous fee that I never spent and struggled to close this account for several months.

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 monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I claimed bankruptcy in XXXX after claiming bankruptcy. I contacted all the creditors to let them know about this most of them agreed to update my payment status on all my accounts to Current and that has not been done.

Company response to consumer: Closed with explanation