vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX in the amount of {$760.00}, a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$920.00}, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$1600.00}, a credit card account opened at XXXX on XX/XX/XXXX in the amount of {$870.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
The company 's name is XXXX. I decided not to use their services, returned the equipment, and was still charged {$850.00}. As a result, my credit score decreased by XXXX points. 

On XX/XX/year>, I received an online alert informing me that a charge had gone to collections. When I contacted the collection agency, Amsher Collections Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), they advised me to reach out to another agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

When I called XXXX XXXX, I was deliberately disconnected four times. I attempted to verify and confirm their physical business address to communicate with them formally, but I received no response. Therefore, I am escalating my dispute to your office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Im alarmed by the amount of incorrect information Ive found in how some accounts are reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX CREDIT BUREAU IS REFUSING TO REMOVE THE FRAUD ALERT PLACED THERE BY THEM AFTER XXXX XXXX OF ME ASKING THEM TO REMOVE THE ALERT,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: LA

Complaint narrative:
On XX/XX/XXXX I mailed a notice to Lexis Nexis requesting them to cease and desist from any further use or disclosure of my personal information obtained from XXXX XXXX XXXX am writing to notify you that LexisNexis has violated the Driver 's Privacy Protection Act ( DPPA ), codified at XXXX XXXX. XXXX et seq., by improperly obtaining and/or disclosing my personal information from motor vehicle records without a permissible purpose. Specifically, on XX/XX/XXXX, LexisNexis " obtained my personal information from state XXXX records and disclosed it to third parties without my consent ''. 
This action violates XXXX XXXX. XXXX ( a ), which states : " It shall be unlawful for any person knowingly to obtain or disclose personal information, from a motor vehicle record, for any use not permitted under section XXXX ( b ) of this title '' XXXX. 
As a result of this violation, I have suffered such a privacy invasion and a denial of XXXX XXXX  XXXX  due to furnishing my personal information. Personal information should not include information on vehicular accidents, driving violations, and drivers status. Under XXXX XXXX. XXXX, LexisNexis may be liable for actual damages, punitive damages, reasonable attorneys ' fees and other litigation costs, and preliminary and equitable relief as the court determines to be appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with XXXX  XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was sold to Mr Cooper from XXXX in XXXX. Few months afterwards I discovered I'm being charged extra on my monthly payments Upon checking I discovered they added a flood gap insurance that was not required under my mortgage agreement. As the coverage needed for flood is XXXX when XXXX is covered by my XXXX insurance, and the additional XXXX is covered by an added insurance policy that I added on my end. 

When I reached out and shared the necessary documents the representative approved my claims, and said it will be removed. 

Never got the follow up and the policy was never removed. 

I reached out again, went through the same process, but the end result was the same, was told it will be removed but it wasn't. 

Was already charged XXXX on top of what I should have paid in XXXX, and its continuing into XXXX. Need this resolved asap

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AL

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( XXXX  ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) 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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Every time I submit my payment or pay with my debit card and I have money in my account XXXX XXXX  wont process my money even I try to sign up with opp program I cant get the opp program to cover my funds and they always process my payments real late XXXX making my bills late or unpaid XXXX they even charge me a over draft fees XXXX dollar every time the dont process my payments at least twice. XXXX XXXXXXXX XXXX if u dont have fund in ur account they dont process insufficient funds until the payment come back twice but XXXX once then they charge u over draft XXXX it wont be XXXX dollars XXXX u pay with a debit they process right then in there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.
State: GA

Complaint narrative:
I am reaching out to seek resolution for a longstanding issue regarding my XXXX XXXX which has been inaccessible since 2013 due to technological limitations on blockchain.com 's end. Below, I provide a detailed overview of the situation, along with my request for compensation given the admitted fault and prolonged duration of this matter. 


Background In 2013, BlockchainXXXX utilized a custom mnemonic system for account recovery that was distinct from the now-standard XXXX protocol. Unlike XXXX, which generates HD ( hierarchical deterministic ) wallets with widely accepted standards for secure mnemonic phrases, the custom mnemonics used by BlockchainXXXX encoded user account passwords or recovery information specifically for your platform. 


Starting in 2013, this system began experiencing significant technical issues, with users, including myself, encountering the error message : " failed to decrypt wallet. '' My wallet, associated with the address XXXX, was affected. Numerous trouble tickets were submitted under the email addresses XXXX and later XXXX, seeking support to resolve this issue. 


Historical Support Records Given the timeline, BlockchainXXXX should still retain records of the trouble tickets I submitted in 2013 and the associated troubleshooting steps taken by your team. These historical records are critical, as they may contain key details that could lead to resolution or provide evidence of the systemic failure that caused this issue. 


As a trusted provider, BlockchainXXXX likely maintained robust systems for support and record-keeping, and I expect that these records, even if archived, can be reviewed to assist in resolving this matter. 


Current Status As of today, Blockchain.com has acknowledged internally that : The decryption technology for these legacy wallets is no longer functional. 
Efforts to resolve these issues were deemed unfeasible due to the antiquated nature of the technology, which has reached its end of life ( EOL ). 
This leaves me unable to access the funds stored in my wallet for over a decade, despite no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I submitted a dispute to Transunion and they received it on XX/XX/year>. Here 's the XXXX tracking number XXXX. I have never received the results from them and its been well over 30 days. Today I called them to find out what was going on and the rep had told me that they opened an investigation in XX/XX/XXXX and " sent '' the results on XX/XX/XXXX. I checked the mail every day and my wife has checked the mail every day and I have not received any results. So then I requested to be sent the results again as I did not receive it and they denied me. They denied me because they claim they can only send it " once '' which I believe is false. From there I asked her if she can give me the shipping number of the investigation results that they claim they had sent and she said she could not as they don't have a shipping number. So let me get this straight, they can't send a my results and they don't have a shipping number. They clearly did not send me the results. If I have to take this matter to court I will.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On my previous month 's credit card statement for XXXX, I made a payment at the end of the month for {$1800.00} which was the outstanding balance on the card. I paid the full balance and saw my account go to {$0.00} balance on the card. The following day, my card information was used to make four separate purchases for XXXX for the total amount of {$490.00}. I got a message from Wells Fargo saying my account would be frozen until I confirmed these purchases. I did not confirm them and instead confirmed them as fraud charges. I reported this to the fraud claim department and told them the issue. They proceeded to say they were opening up a claim with the merchant for those purchases and that they should be removed and canceled within 7-10 business days. I waited and nothing happened to my account. Then, the charges from XXXX disappeared from my statement and were removed, but the balance of {$490.00} remained in my account. I then called again to tell them what was going on and another claim was put out against those charges, at least that's what I was told. A few days later I received a letter in the mail that said after researching the issue, they concluded that the problem was resolved and that all of the purchases were made by me because I had my credit card in possession at the time of the charges. I did have the card in possession, however, I am certain these were fraudulent charges made online using my card information, which was most likely stolen from a card skimmer. The balance of those charges is still in my account and my current balance shows now {$1000.00} due for the month of XXXX, however, that number does not even come close with the charges purchased on the card for the month statement. They have not helped me resolve the issue and still expect me to pay this balance, when I did not make those purchases.

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 2024-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MA

Complaint narrative:
I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( 30 ) days to submit a dispute to XXXX XXXX XXXX I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( Afni , INC XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( CFBP ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my U.S passport, Social Security and State ID card to help in disputing this debt. Im also submitting a copy of a brand new Consumer Protection Bureau report filed today XXXX XXXX for this debt and new creditor in the name of Afni Inc . This debt was also previously deleted off my credit report and should not have been added back on again. 
I quickly wanted to note something about the debt itself. It appears to be XXXX bill but this doesnt make sense because the debt is about {$4100.00}. This is a fishy amount of debt for something like a cellphone store because phone bills never run up that high before they cut your service. I believe that by the share amount of the debt alone, this helps to raise reasonable doubt that a cellphone bill or device can be that high and expensive under my name. Ive also tried calling XXXX customer relations to try to dispute the validity of the debt but XXXX brought XXXX and this is making it hard for me to get someone on the phone. Please do not put this wrongful debt that isnt mine on my credit report. Below are more information to help verify my identity because I did NOT open this debt under my name. I will email this letter to XXXX and mail a copy to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also as an added pre-cautionary measure to having submitted my dispute before the ( XXXX ) day time fame elapse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-12-26 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an account that has been inaccurately reported by XXXX XXXX XXXX to Equifax. The account in question is being reported as 120 days past due, even though it is a collection account, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

2. Specific Violations : FCRA Violation : Section 623 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies be accurate. Reporting a collection account as 120 days past due misrepresents the nature and status of the account, violating the accuracy requirement. 

FDCPA Violation : Section 807 prohibits false, deceptive, or misleading representations. Reporting the account as past due when it has been transferred to collections creates confusion and could mislead creditors or potential lenders. 

3. Additional Concern : The date of delinquency does not appear to reflect the correct date of first delinquency from the original creditor. This date appears to have been altered or re-aged, which would constitute an additional violation of the FCRA under Section 605 ( c ).

Actions Requested : Immediately instruct Equifax to correct the account reporting to reflect its status as a collection account.

Remove the 120 days past due designation as it is inaccurate. 

Ensure that the date of first delinquency aligns with the original creditors records. If original creditor 's records are not provided to myself and Equifax to verify the date of first delinquency, please delete this unverifiable record from my consumer file or credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report has unauthorized hard inquiries listed, violating 15 USC 16c-2. These errors are affecting my credit, and I request they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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