vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I HAVE BECOME A VICTIM OF IDENTITY THEFT. RECENTLY CHECKED MY CREDIT REPORT, AND I NOTICED NUMEROUS FRAUDULENT ACCOUNTS, INQUIRIES, AND ADDRESSES CREATED BY AN UNKNOWN PERSON USING MY IDENTITY, WITHOUT MY AUTHORIZATION OR KNOWLEDGE. MY PURSE CONTAINING MY, ID, DRIVER LICENSE, AND SS CARD WERE STOLEN XX/XX/XXXX XXXX XXXX  DURING MY CEREMONY CELEBRATION AT MY HOME AND NEVER RECOVERED .THESE TRANSACTIONS ARE THE RESULT OF IDENTITY THEFT, AND ARE UNRELATED TO ANY TRANSACTIONS MADE BY MYSELF. I AM NOT ERRONEOUSLY REQUESTING A BLOCK, NOR HAVE I ACQUIRED GOODS, SERVICES OR MONEY AS A RESULT OF THE TRANSACTIONS IDENTIFIED IN THIS IDENTITY THEFT REPORT. 

EQUIFAX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX  \ XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} XXXX FRAUDULENT ACCOUNTS RESULTING FROM IDENTITY THEFT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} ADDRESSES RESULTING FROM IDENTITY THEFT XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: MS

Complaint narrative:
This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they added a collection to my credit report. This agency is infringing on my consumer rights by using misleading, false, and deceptive tactics. Ive already tried to resolve these issues directly with them, but they have advised me they cant speak to be about this account since none of the information verify to me. They continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They just either compensate me or remove this fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Few years ago, i used to have a joint account with my ex-wife ( we divorced already ), she added me to her bank account, while we were married, but then the checking account was closed and i have been unable to open up a bank account and keep it open, everytime i try it get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX 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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I tried to cancel the loan the next day and they wouldnt let me and they didnt tell me why. They just said that I had to receive the loan. I closed my bank account and I called Oportun again where I spoke to another customer service representative and and explained that the bank account was being closed. He told me not to worry y that the money would be cancelled. I asked him to send me a proof document by email to validate that information. He said not to worry and in a couple of day I would receive everything ; but instead of canceling, he sped up the process and the money appeared at first light XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I keep receiving calls regarding a debt with CAPITAL ONE BANK, N.A. They have been unable to verify this debt still exists. I have asked numerous times for them to confirm because according to my records, the account was previously paid. When I had a discussion with an associate, they confirmed the payment amount due to settle the account and provided the date it was paid. I then asked they update their records and stop contacting me. They continue to call and send me a collection notice, but not provide record of the account payments, history, etc. that I have requested. 

Last payment was on XX/XX/year> which according to my records, completed the settlement amount. 

XXXX XXXX XXXX XXXX now owns the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX  for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.

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 2024-12-31 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: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I have called NewRez over ten times and have spoken to ten different phone reps to address an issue regarding my bi-weekly mortgage payment. Following a NewRez phone rep 's advice, I canceled my monthly auto payment, completed the bi-weekly application form, and faxed it in to NewRez on XX/XX/XXXX. 

I followed up with a phone call every day and filed a complaint on XX/XX/XXXX with NewRez when the application had not been processed. The phone rep, XXXX ( Employee number : XXXX ) assured me she was going to process my application that day. I received a letter from NewRez in the mail today, Monday, XX/XX/XXXX stating that my autopay had been canceled. I also received a separate letter from NewRez with a blank bi-weekly application enclosed. I was confused as I had already faxed in my application to NewRez on XX/XX/XXXX. 

So, I called NewRez today, Monday, XX/XX/XXXX at XXXX XXXX  XXXX and the phone rep, XXXX, said my bi-weekly application had not been processed yet. XXXX escalated my application to his supervisor and then suggested I call back on XX/XX/XXXX to follow up and see if the application is processed. 

This entire past month I have not been able to log in to my NewRez mortgage account online. The system fails to produce a code on my cell phone so I can log in. XXXX, the NewRez phone rep, had shared with me on XX/XX/XXXX that NewRez did a system reboot and that many customers are experiencing a similar issue as me. So, she reset my account that day and I was able to log in once. After that, I was not able to login, including today. 

I simply would like to pay my mortgage via the bi-weekly program NewRez is offering. A prompt solution would be to process my bi-weekly application before XX/XX/XXXX so I can pay my mortgage in a timely manner. I scheduled my first payment ( of my bi-weekly payment ) on the XXXX of each month. I would like to avoid making a manual payment ( by phone since I still can't login to my online account ) as then I may run the risk of being debited twice for my mortgage in XXXX. 

Please advise. 

Thank you. 

XXXX XXXX XXXX cell ( I live in XXXX despite my XXXX area code ). 
A very unhappy customer

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 2024-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wolf River Development Company
State: FL

Complaint narrative:
I sent an email to them XX/XX/XXXX advising i no longer authorize withdrawl from my checking account. On XX/XX/XXXX I recieved an email they acknowledged my request. On XX/XX/XXXX i recieved a text mesage saying to prevent {$310.00} from processing to call them, when i called the lady I spoke with XXXX advised they can debit my account whenever they want and it didnt matter I withdrew authorization. I explained to her this was violation of fdcpa and she said it was not and they will draft I explained to her again i revoked authorization. she then said if they dont draftt the third party company they use will draft the amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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 2024-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-12-31 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:
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 non-monetary relief
Consumer complaint received 2024-12-31 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 reaching out to address multiple issues with my credit report, including incorrect account entries, an unfamiliar collection, unauthorized credit inquiries, and other reporting inaccuracies. Your assistance is essential in resolving these concerns to safeguard my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: GA

Complaint narrative:
I received a Cash App card in the mail on XX/XX/XXXX. The website/app stated that I signed up for the app and card on XX/XX/XXXXXXXX XXXX 

I've never had cash app, used cash app, or signed up for cash app. 

This is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: WA

Complaint narrative:
The following inquiries are unauthorized and unverifiable : - XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) - XXXX XXXX XXXX ( XX/XX/year> ) Under **15 USC 1681b**, these inquiries must have permissible purpose and explicit consumer authorization, which have not been provided. Additionally, under **16 CFR 602.3*XXXX, the credit bureau XXXX XXXX accuracy and delete unverifiable information. 

I demand the immediate removal of these inquiries, as no documentation has been provided to substantiate their inclusion in my credit report.

Company response to consumer: Closed with explanation