vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items 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 2024-05-31 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: CA

Complaint narrative:
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove this fraudulent account. While checking my credit report, I noticed account, I did not authorize was made by the following that I will be listed below. 
I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts and addresses be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. 
FROUDULENT AUTO LOANS! 
XXXX XXXX XXXX Balance : {$32000.00} Balance updated : XXXX XXXX, XXXX Original balance : - Account number : XXXX Open/closed : Closed Date opened : XX/XX/XXXX Account type : Installment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
Was scamed on XXXX and called the bank and they can't do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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:
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 informationisinaccurate.

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 2024-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
Received a letter from IQ Data Inc. on XX/XX/XXXX saying I owed a debt in regard to my former residence XXXX XXXX XXXX that I moved out of in XXXX XXXX XXXXXXXX. I disputed the debt and sent the letter attached because I don't owe them anything whatsoever and there is nothing in writing to prove that I do. Also attached is the final move out statement from that residence and a move out notice. The only two pieces of paper I ever received from XXXX XXXX XXXX. 

When I originally signed a lease with the property it was with XXXX management. I did not sign anything with XXXX XXXX XXXX when they took over the property. My lease expired in XXXX. We did not sign anything with XXXX XXXX. Furthermore, I was a good tenant and cleaned the property. 

IQ Data Inc. did not get back in touch me in regards to this and were able to put this on my credit report. They said I should pay them over the phone even though I said I don't owe this debt. I don't know how they're legally able to extort people like this. 

Worked with a restoration specialist from XXXX as a part of XXXX on XX/XX/XXXX to conference call IQ Data Inc. 

When we did, they used different tactics to skirt answering clear questions. Their line dropped in and out of audio during coincidental opportune times, they blasted loud hold music, and said they were understaffed. They even asked for my full social security number ( I did not give it to them ). 

Considering this company has a litany of complaints, it is really a mystery to me as to why they haven't been investigated or completely shut down at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
I'm desperately trying to resolve my balances for a few credit cards with Indigo Credit Card. THE ACCOUNT IS UNDER THE NAME XXXX XXXX. 
I've always been current and the account is now closed. I am low income and struggling to make ends meet and want to achieve good credit again. I am seeing if this agency can negotiate with this credit card company to reduce half of the balance owed on the account. I am more than happy to pay this amount and it would truly help me get back on top of finances and earning a good credit score for the future. I appreciate any help you can offer. Thank you. Please reduce the balance in half as I am more than happy to pay this amount. - Please see my attached and recent -Credit Card Statement from Indigo Credit Card .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I ordered jeans and white shirts from XXXX XXXX with a total of {$320.00} and it says it was delivered but when I check my camera footage no package came and when they sent a picture of the porch it was deliver it wasnt my porch I put the order number in the picture below And also another picture of company telling me to dispute the charge

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I have a credit card through Avant I requested for them to close my account via mail and email. I have not made a payment in over 195 days they are keeping the card open indefinitely so my balance and late fees keep accumulating to theyre advantage and are referring that this credit card is a personal loan which it is not. They are being predatory by not closing this account which will soon be 195 days late racking up almost XXXX in fees they seem to want to do this indefinitely. They keep sending me unauthorized text messages asking me if I want to use my card make a payment. I am so underwater because of these fees. They seem to want to keep doing this forever I have been accruing late fees for over 8 months I believe this is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NY

Complaint narrative:
According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-05-31 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: NY

Complaint narrative:
According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously filed a complaint with Equifax through the CFPB, by mail, by phone, and via their official website. I have provided all the necessary documents to verify my identity numerous times in various formats. However, when I called Equifax today to check the status of my dispute, the representative, XXXX, informed me that they could not verify my identity and asked me to resubmit my documents. 

I explained to XXXX that I had already submitted all my documents through the CFPB, by mail, and on the official Equifax website, but the information still hasn't been updated in their system. She apologized and insisted that I send the documents again. When I requested to speak with a supervisor, she said none were available and reiterated that they couldn't assist me without verifying my identity. 

The call took place on XX/XX/2024, at XXXXXXXX XXXX EST, on XXXX ( XXXX ) XXXX. 

Additionally, I am experiencing an issue with my Equifax online account associated with the email " XXXX. '' I receive the following error message : " Please give us a call and give this code to the Agent : XXXX. Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX-EQUIFAX ( XXXX ). Our call center hours are XXXXXXXX XXXX to XXXXXXXX XXXX ( ET ), Monday through Friday, and XXXXXXXX XXXX to XXXXXXXX XXXX ( ET ) Saturday and Sunday. '' I am requesting Equifax one last time to update my documents, which I am resubmitting with this complaint, and to update my Equifax credit report as soon as possible. 

Other credit bureaus do not cause this many problems, so please do not cite security concerns as the reason for these issues. If security were a genuine priority, Equifax would not have so many inaccuracies in the first place. 

I also request an update on my hard inquiries dispute and ask for permissible purposes for them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I applied and was approved for a Raymour and Flanigan credit card issued by TD Bank. Though I did not receive the card, I was able to place an initial order for bedroom furniture and a special order for additional bedroom furniture. Once the first order was delivered on XX/XX/year>, I was charged the amount of {$3200.00}. However, with the special order still pending, I realized I never received my actual credit card. On XX/XX/year>, I called TD Bank to inquire as to the status of my new card. I was told it had been shipped on XX/XX/XXXX. The representative asked if I had moved and I said I was about to move into a new home. So I asked if I could change my address so that the card could be sent to the new home. The representative said the would need to send me a text message to verify my identity. When they went to whatever verification software they were using, according to multiple representatives and supervisors, my telephone number came up as unverified. Thus, unbeknownst to me, that caused my account to be suspended. When my special order came in to the local XXXX XXXX XXXX XXXX, I was contacted by a manager there, XXXX, to say that my account was frozen and that I needed to contact TD Bank to get it resolved. Well, eight phone calls and three supervisors later, it has not been resolved. All I kept being told was I need to contact the credit bureaus to get my phone number added to my credit report. I checked all three credit bureau reports and they contained my telephone number. However, my account remains frozen, with the representatives at TD Bank offering no resolution. I remain in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
This complaint is against Rocket Mortgage : **On XX/XX/XXXX I made my mortgage payment of {$910.00} ( the amount due on that due date ) **On XX/XX/XXXX Rocket Mortgage made an UNAUTHORIZED withdrawal of {$910.00}. My financial institution XXXX  XXXX XXXX replaced the full amount. I paid the stop payment fee to prevent Rocket Mortgage from further withdrawals. 
**On XX/XX/XXXX Rocket Mortgage made another UNAUTHORIZED withdrawal of {$910.00}. 
The money was eventually replaced. 
**On XX/XX/XXXX Rocket Mortgage made UNAUTHORIZED withdrawal which was replaced the next day. 
These transactions caused my checking account to be overdrawn which met I had no access to my funds. Rocket Mortgage claims that I approved these even after I refereed them to my profile stating that I did not have auto-pay and insulated that I may have simply forgotten. I am XXXX XXXX XXXX and took that comment as a insult.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NY

Complaint narrative:
Multiple creditors are violating multiple of my rights as a consumer. I have listed them Under 15 U.S. Code 1681e ( b ) ( b ) Compliance procedures maximum possible accuracy.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1681 there are also multiple names and addresses on my report that are not mine. there must be some kind of mistake but the inaccuracies on my report are against my rights as a consumer. please block and remove all inaccuracies that I listed in my documentation attached.

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 2024-05-31 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: NY

Complaint narrative:
Multiple creditors are violating multiple of my rights as a consumer. I have listed them Under 15 U.S. Code 1681e ( b ) ( b ) Compliance procedures maximum possible accuracy.

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1681 there are also multiple names and addresses on my report that are not mine. there must be some kind of mistake but the inaccuracies on my report are against my rights as a consumer. please block and remove all inaccuracies that I listed in my documentation attached.

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 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
When I alerted CashApp XXXX of the fraud for XXXX dollars they told me, successfully processed. I informed them this was not done by me and explained how my belongings were taken! They asked me for the following : What is your legal name, $ cashtag, and email address and/or phone number linked to the account associated with the disputed activity? 
XXXX XXXX Phone XXXX XXXX  2. What are the date/time and amounts for the transactions that you believe are in error? 
Dates are XX/XX/year>. 
I dont know the times. 
Amounts are multiple total XXXX 3. Why do you believe an error occurred with this transaction? 
My purse was stolen along with my wallet, cell, credit cards, ID and medical cards. 
I filed a police report of the with NC police on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also filed a FTC report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief