vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-27 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: NY

Complaint narrative:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the account XXXX XXXX XXXX XXXX XXXXXXXX XXXX i am asking you to verify as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to file a formal complaint against XXXX  XXXX XXXX regarding their handling of account XXXX, which I believe to be fraudulent. Despite my efforts to rectify this matter, XXXX XXXX XXXX has continued to engage in unethical practices, violating both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: LA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: LA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

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 remove the account listed below. 

I demand that the following account be validated or removed immediately : account number Amount XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX {$160.00} In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: LA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the mental harm this has caused 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 2024-04-27 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: LA

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the mental harm this has caused 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 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
Ally Financial wrongfully raised my APR rating and i believe it had something to do with racial profiling and did not properly insure that credit acceptance was applied. They did not communicate and payment options to help come current with the car note or send a letter of repossession. They just took the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
There was an unauthorized transaction made on my Cashapp card yesterday for XXXX to XXXX. My card was locked because anytime I have money on my card, I locked it. I dont even have XXXX downloaded on my devices. Im struggling as it is. Then this happens. I only had {$33.00} dollars to my name. I contacted Cashapp twice and they were not very helpful or compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: KY

Complaint narrative:
XX/XX/XXXX - 1st notice received from XXXX XXXX XXXX XXXX that I was being sued by XXXX XXXX XXXX XXXX in the amount of {$8100.00} XX/XX/XXXX -I filed an answer requesting proof if debt XX/XX/XXXX - photocopies of documents were sent with an " electronic signature '' and conflicting dates and blank dates within these alleged loan documents. 

XX/XX/XXXX - trial date set for XX/XX/XXXX XX/XX/XXXX - trial date moved per plaintiff request to XX/XX/XXXX It is important to note that i just learned about this website and how selling my information to a third party is illegal. Also - the first time I learned about this alleged loan in my name was receiving certified mail from the court. This loan is not on my credit report, I have neve received a past due notice in the mail from the original lender nor any collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian fraudulently charged me despite being unable to register my account months before said fraudulent charge, it was impossible to access anything they charged me for

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: TN

Complaint narrative:
Equifax is not allowing lenders nor my bank to pull my credit report. This has stopped me from getting a mortgage loan with my banks/lenders because creditors are not able to pull my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Mortgage XXXX Violations!!! Fair Debt Collection Practices Act Violation!!! 

1. NewRez/Shellpoint has reporting error for XX/XX/XXXX regarding payment status. 

XXXX. In XX/XX/XXXX, after reporting the error and submitting proof of the erroneous reporting, NewRez/Shellpoint withdrew a payment from my account for the month of XX/XX/XXXX without proof or notification. 

XXXX. Whenever I attempt to contact anyone, I am advised that the company is a debt collection company! 

In XX/XX/XXXX, I submitted a dispute with the credit reporting agencies regarding an erroneous late payment being reported for the month of XXXX XXXX. I attached proof stating that NewRez/Shellpoint did not accept payment, and therefore should not be reporting a 30 day late status for that period. 

After reporting the error, the company removed a payment for the month of XX/XX/XXXX from my account. I was advised after 5 months, it was discovered I did not pay the month of XXXX. Also, after review of the account, the payment that I made in XXXX was applied to the month of XXXX because I was behind a payment. 

This was done without notification. I was not provided any proof for removing the payment. This is an explicit mortgage servicing violation! I was made aware of the information on XX/XX/XXXX when calling to check the status of the correction. If I had not called in, my account would have fallen behind 30 days according to the changes that were made by personnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
From My Chase bank checking account I sent {$4000.00} to XXXX to be transferred to my bank account at XXXX in XXXX. After 5 days XXXX said they did not receive the transfer. I was told that it was better to cancel th transfer to XXXX. I cancelled it and waited for it to go back into my Chase account ( XXXX XXXX, XXXX XXXX, Georgia XXXX ). 

After week one I was told to call the transfer office online. While abroad I called an XXXX number to reach someone in XXXX. I explained the saturation and was told that they need to send the information to the back office. For another three weeks I called 5-6 times a week with no results. 

Almost two weeks ago I called my bank. After many days and many calls I was finally about to speak with a person at my bank. She made calls and did research and said there the transfer was only Just called back. She said there if it was not back on Monday over a week ago, then I should call back again. All week for one week I called the branch several times a day. Last Wednesday one of the bank employees answered the phone. He said to call the transfer line and asked me to hold. Phone cut off again. Once again for the test of the week and now this week calling XXXX time a day every day. Also sent an email to the bank manager several time. Finally I get an answer that I should ask the intermediary bank for the money back. I wrote back in an email that I do not have any information of the intermediary bank and I am asking them to follow up with contacting the back to get the money back, especially if they need more information. Now it is almost 8 weeks. still no answer or money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
update my current address my current address is XXXX XXXX XXXX XXXX, Mississippi zip code XXXX .want all other addresses and address identification numbers removed from my credit profile and report because the information is reporting inaccurate information. Also should be one name reported on credit profile XXXX XXXX XXXX as it appears on my drivers license and social security number. remove and delete all other various of my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: MI

Complaint narrative:
I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Im disputing the collection account associated with account number XXXX with Contract Callers. According to your records, this account was opened on XX/XX/2024 Balance Owed : {$90.00} and is categorized as a collection account for which I bear individual responsibility. However, I want to bring to your attention that I am a victim of identity theft and have no knowledge or involvement in the creation or management of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I didnt receive any notice of a debt owed, never received any mail or even a chance to verify the debt.I only noticed it because I checked my XXXX credit report. I dont even know who or where to contact to verify the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
I'm not sure I picked the right boxes. Colonial Auto finance hit the 7 year window on XX/XX/XXXX and I contacted XXXX to have it removed from my report since it was now over XXXX XXXX XXXX and experienced contacted them and they said it stays. But based off the FCRA it falls off after 7 years. This one has plagued me ( got a car in my name for a friend back before I knew better ) and I really want it gone and since it's been 7 years I tried to have it removed but nothing changed. As you can see the date was XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: MI

Complaint narrative:
XXXX am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by 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 as a data furnisher to TransUnion. It has come to my attention that 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  may be in violation of regulations requiring financial institutions to provide privacy of consumer financial information policy notices in writing to customers both initially and annually, as mandated by federal laws and regulations. 


As a customer of 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 I have not received the required CONSUMER FINANCIAL PRIVACY POLICY NOTICE and opt-out annually statements in writing as per federal laws and regulations. The failure to provide such notices and statements not only raises serious concerns about the protection of my personal financial information but also indicates non-compliance with important consumer protection regulations. 

I demand that 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  promptly rectify this issue by providing me with the required privacy notices and opt-out statements in accordance with federal laws and regulations. Additionally, I request that 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 conduct a thorough review of its privacy notice dissemination practices to ensure compliance with all relevant regulations moving forward. 

Failure to address this dispute and rectify the issue in a timely manner will leave me with no choice but to escalate this matter further, including filing a complaint with the appropriate regulatory authorities and seeking legal recourse if necessary. 


I trust that 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  will take this matter seriously and take immediate action to ensure compliance with privacy notice requirements and protect the privacy of its customers ' financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation