vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: GA

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 2024-10-11 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: MO

Complaint narrative:
My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted the bureau and the representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MA

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 2024-10-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
On XX/XX/year> I had went on to view my credit score and noticed I had a collection on my report- given I had never received anything that i owed money or had anything past due I had no idea what this was about. I XXXX the name listed and found a number to call. On XX/XX/year> around XXXX I called the collector- National Credit Systems . I learned then that the collection was from my previous landlord ( whom I had moved out of their location 11 months ago ). The agent claimed they stated they tried to collect from me, even though I had no information from them nor had I ever received anything. I asked the agent for information, such as what is the balance for but he could not give me any information he just said we do not have that information. He informed me that he showed a balance due of {$400.00} however of that {$400.00} owed they kept my {$350.00} deposit so I should only owe a total of {$50.00} not the {$400.00} that the collector put on my credit report. He state it was an oversight on their part. There was no additional information given to me nor would he provide any type of receipt/invoice/etc. He went on to state that they ( National Credit Systems ) attempted to contact me I stated I had never received anything in the mail nor a phone call from them- even though I had moved twice I had all of my mail forwarded to my location and had no issues receiving. He then stated that they had only attempted to email me and stated an email address for a prior employer who I had not been employed with for over 3 years now- XXXX XXXX XXXX XXXX XXXX XXXX XXXX was aware I was no longer employed with them as they received my employment information as well as the fact that i did not use that email address for communication with them. 

No attempts to collect or invoice me were ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: Adler Wallach & Associates, Inc.
State: NY

Complaint narrative:
AWA COLLECTIONS XXXX Account Details ACCOUNT UTILIZATION {$720.00} spent {$720.00} Balance not me and this one also AWA COLLECTIONS XXXX Account Details ACCOUNT UTILIZATION {$1800.00} spent {$1800.00} Balance N/A Limit A credit limit is the maximum balance you can have on a revolving credit account, such as a credit card or a line of credit, that an issuer has agreed to extend to you. 

- Utilization Credit utilization rate, or credit utilization ratio, is the balance you currently owe divided by your credit limit. 

Report Date XX/XX/year> Account Type Collection Account Status Closed Monthly Payment {$0.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE, THIS BANKRUPTCY RECORD IS UNAUTHORIZE. PLEASE TAKE ACTION 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 2024-10-11 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a virtual American Express pre-paid gift card from a friend about a year ago. I tried using it this past spring on an XXXX purchase. The order was declined. 

I called the Amex support phone number and followed the instructions to check the card balance by visiting https : //balance.amexgiftcard.com/ and inputting my card 's information. Upon doing so, I received an error. I still receive this error a half a year later. 

I called the Amex support phone number again and made my way through the prompts to speak to a human. While they were able to confirm the balance of the card, they were not much help. They suggested that I try using the card number ( I don't have a physical card, just the card info ) at another vendor. 

I made a few more calls back to the Amex support chat to see if I could get a human that had more or better information. The only other suggestion I received was to try using it at a physical location ( hard to do when you just have the card information and not a physical card ). 

I did some reading online and found many people were having the same issue using their pre-paid cards. Some had success adding the card to their virtual wallet first and then using it ( mostly XXXX wallet ). I added the card to my virtual wallet ( XXXX XXXX ) and tried making a purchase. That also was declined. 

About a half a year later, I tried again to add funds to my XXXX account. That was also declined. I called the AMEX support line ( XXXX ), which confirmed the balance was all there again and noted that my recent transaction with XXXX was declined. This time there was no option to talk to a human. The only helpful prompt was a recording on how to make online purchases. The recording mentioned that some vendors XXXX decline the payment as pre-paid cards do not have an address associated with them. The recording 's recommendation was to reach out to the vendor. 

So that is what I did, I contacted XXXX. After some digging, the XXXX representative was able to determine that the transaction declined from the AMEX side and not the XXXX side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, Iam writing to file a formal complaint against Triad Financial and their Attorney regarding their deceptive and unfair practices related to the sale of my home. I have a mortgage account with Triad Financial under account number XXXX, Iwas informed by the Consumer Financial Protection Bureau that Iwould be allowed to sell my home before it goes into foreclosure. Iwas told Iwould need to work with their attorney the XXXX XXXX XXXX to do so. In the letter Ireceived from the Consumer Financial Protection Bureau it provided the response from Triad Financial stating they contacted their foreclosure attorney and asked that my file be set aside to allow me time to sell my home and Iwas to refer to correspondence from the attorney for the official timeline of the 90 days. To date XX/XX/year>, I have yet to receive a letter, telephone call, email or anything else from their attorney advising me and my Real Estate Agent of a timeline or anything else. My Real Estate Agent and Iplaced a call to the XXXX XXXXXXXX XXXX to get particulars on how to handle the sale as we had a buyer ready to purchase. We were told by XXXX that they just received the paperwork and were processing it and would be ni touch with us. We never heard from them. 
Following this, Ilisted my home again and received acouple offers, which Isubmitted to the law firm for approval. Despite the offers being reasonable and in line with market conditions, the constant delay in response to the offers caused the buyers to withdraw their offers and walk away from the deal. 
Ibelieve that Triad Financial and their attorney is engaging in deceptive practices, possibly with the intention of forcing the foreclosure rather than allowing a fair sale of the property. Their actions are causing unnecessary stress, financial harm, and causing me distress and Ifeel misled by their initial promise to allow the sale of the home. When Itried to contact Triad Financial Services directly to advises of their lawyer 's practices Iwas referred to their attorney and advised Ihad to deal directly with their attorney only and they could not speak to me concerning this matter. 
Ikindly request that the Consumer Financial Protection Bureau investigate Triad Financial Services for their failure to act ni good faith, their delay ni response to respond to reasonable offers, and their potential violation of consumer protection laws. Iam seeking assistance to ensure that Iam able to sell my home without further obstruction and avoid foreclosure. 
Enclosed are copies of the offers Isubmitted for their review and emails from my Real Estate Agent trying to get an answer fi we had a deal for the buyers. Iwould appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: DC

Complaint narrative:
I received a Cash App XXXX card in the mail, however it was sent to my brother 's address. I have never lived at this address. All that was included with the debit card was information on activating it. I did not sign up for a Cash App account or request a debit card. I called Cash App and was immediately disconnected. I then called XXXX and they deactivated the card and advised me to call XXXX XXXX, who issued the card. When I called XXXX XXXX, I got an automated greeting, and the first thing they said after stating their name was, " If you are a Cash App customer, please call them '' so the bank was of no help. I tried Cash App again and finally got a hold of someone. I provided him with the information on the card, my zip code, and my email address. He confirmed the account was suspended. I never received written confirmation that it was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Equifax inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Factual Data XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : XXXX inquiries XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-10-11 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX Transunion XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX of Unauthorized Credit Inquiries Request for Deletion To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I did not authorize these inquiries, and I am requesting that they be removed immediately. 

The inquiries in question are : Transunion inquiries XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit information, and as such, these inquiries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Enclosed is a copy of my credit report with the unauthorized inquiries highlighted for your reference. Please notify me in writing once the inquiries have been removed or if you need further information to process my dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-10-11 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: GA

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 non-monetary relief
Consumer complaint received 2024-10-11 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 am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Charge off XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation