vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 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: PA

Complaint narrative:
I am having a continuous battle with Experian closing out my disputes without any changes being made and no valid explaination being given. One dispute I question greatly is a XXXX that they have been reporting. This is my final attemp before me and my counsel proceed with our case. My initail complaint you never addressed was : Experian stated they obtained my XXXX from the U.S XXXX court which is not true the XXXX court does not provide third parties with public records. I never consented to Experian obtaining my information from a third party. First Experian said they verified the information from the court. I have attached documentaion that determined that was not accurate. Then they said the information was verified via XXXX. I contacted XXXX XXXX XXXX and have attached documention that they also do not report any information to credit reporting agencies. Then they said they verified it with XXXX. I have attached documentation from XXXX stating the information was unverifiable. So Experian is again in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter FCRA ), which prohibits Consumer Reporting Agencies ( CRA ) from engaging in deceptive and unfair practices. I have also attached documentation verifying my identity with 2 forms of ID so that your stall letters can stop. This is affecting me and adding emotional stress to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected 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 2024-06-17 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

My name is not XXXX XXXX ( PERSONAL INFO XXXX XXXX ( Original Creditor : 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

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 2024-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
Bought visa vanilla gift card at local aldis. Put {$50.00} on it. First time trying it it said only {$7.00} availiable. Called card company and started case # XXXX. Waited about 3 months Got replacement card valued at {$7.00}. Called and asked why and they said we wont get the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: AL

Complaint narrative:
On XXXX, XXXX  I reviewed my credit report and noticed some inaccuracies and nothing was done to rectify the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C . 1681 Section 602 states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

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 2024-06-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-17 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: MI

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> ( dont have exact date ), Citibank decided to close my account for no reason. I have been banking with them for years and never had a problem. I went to a branch and even the manager thought it was weird and he tried to help me get my account reinstated but inner company team or something said nothing and never gave me a reason.

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 monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
I asked the debt collector to provide me with an account statement that shows transactions and charges so I can confirm the amount they are trying to collect. They sent me one page that just shows the amount. I need to see the charges so I can confirm why they are asking to collect {$700.00}. The original bill is with XXXX and XXXX also has cut my access off to my old account so I am unable to confirm the charges and amount they say I owe. This is deceptive and violates the FDCPA act. I need this debt collector as well as all credit bureaus to remove this from my credit report. Please note that XXXX removed this from my credit report so XXXX and XXXX should do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: FL

Complaint narrative:
This company has changed the date of service on the account to extend the time that they can attempt to collect. This account was for a medical service that the original provider refused payment. I had attempted to pay several times and on my last attempt the provider said they were not going to accept my payment. I had it noted on my credit report that the provider refused payment, but now that medical debt is not listed anymore there is no way to place that notice. Even with the notation though, creditors would continue to contact me anyway - as no one reads these addendums and credit reporting services seem to ignore addendums and their " investigations '' rarely lead to any notes being added to your report. 
This particular bill was from XXXX and on the letter from AssetCare, the service date is listed as occurring in XXXX. They are the last in a string of companies that have attempted to collect payment after I notified the original ( XXXX XXXX XXXX ) ageny, that the provider refused my payment and that I would not then be giving it to a company that provided me no services. The fact that they fraudulently changed the date of service to extend this harassment is a step too far.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/year> I had purchased an excursion package from XXXX XXXX XXXX for XX/XX/year>, in the amount of {$210.00}, that day. However, the water excursion in XXXX was cancelled due to weather restriction. I had requested for a refund, but Barclays has not refunded me for the cancelled excursion. I also inquired about a charge of {$84.00} from the merchant ( XXXX XXXX ) on the same day XX/XX/year> I had not received any proof of purchase regarding this transaction nor signature to verify the item.

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 2024-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Company is refusing to send my remaining funds although I now have the correct bank statement for the funds that was deposited so basically they decided to steal my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
A person scammed me out of my money by pretending to be XXXX XXXX. I work for XXXX. The person called and made it appear to be legitimate and very believable. He induced me under false pretense, larceny by trick. The scammer had me to believe that a rider made a report on me and I had to go through a verification process and part of that process was through credit card transaction via cash app stating that it would not charge my account but only show pending and will be returned. I have the proof that I was induced by such fraud. He defrauded me. I also have a police report. This transaction was an authorized transaction because it was done under false pretense, fraud, larceny by trick. I made cash app support aware of this fraudulent activity and asked and demanded that they reverse or cancel this transaction under Regulations E. I made the report on the same day when I realized it was a scam. I also have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: Climb Credit Inc.
State: AR

Complaint narrative:
XXXX refused to enroll me. CLIMB approved me for the entire tuition amount, but XXXX wanted me to lower my approved amount from CLIMB so that it would force me to pay some of of the tuition out pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I paid of the account completely in XXXX ( approximately XX/XX/XXXX ). On XX/XX/XXXX I noticed the card had a balance on it, and I had not used the card since I paid it off. I then noticed they were charging me XXXX per month on the card. I paid the XXXX and called them that day and asked them to cancel the card. I noticed approximately two days later the account was still not closed, so I called them again. They said " it takes 45 days for the account to close ''. I called them again today XX/XX/year> because now it is showing a balance of XXXX ( they charged an annual fee ) and asked them why this account was not closed? I also told them I want the charges removed, because I had a XXXX balance on the card and I am not paying any fees on a card that I asked to be closed almost a month ago. They lady told me today she could cancel the fees and close the card immediately. ( that is what the first person told me too ). I do not want to have to pay any more on this card and I want the card cancelled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: LA

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-06-17 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: OH

Complaint narrative:
XXXX XXXX alerted me of a hard inquire, as of XXXX have not applied for anything. I called XXXX XXXX, XXXX, and did not feel comfortable giving out any personal information. So much scamming going on. Then I contacted TransUnion, XXXX and XXXX, to freeze my reports. This is so not what I wanted to be doing today!! This hard inquiry took my points down XXXX points!!!!

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 2024-06-17 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: OH

Complaint narrative:
XXXX XXXX alerted me of a hard inquire, as of XXXX have not applied for anything. I called XXXX XXXX, XXXX, and did not feel comfortable giving out any personal information. So much scamming going on. Then I contacted XXXX, Equifax and XXXX, to freeze my reports. This is so not what I wanted to be doing today!! This hard inquiry took my points down XXXX points!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX alerted me of a hard inquire, as of XXXX have not applied for anything. I called XXXX XXXX, XXXX, and did not feel comfortable giving out any personal information. So much scamming going on. Then I contacted XXXX, XXXX and Experion, to freeze my reports. This is so not what I wanted to be doing today!! This hard inquiry took my points down XXXX points!!!!

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 2024-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I sold my apartment and contacted my mortgage bank in mid XX/XX/year>. They gave me the run around on closing procedures for XXXX weeks. I was finally able to get the contact of the bank 's payor agent through the mortgage broker I used. I contacted the lawyer and his office submitted a request for collateral package on XX/XX/year>. They told me it could take 4 to 8 weeks to receive the original stock certificate and proprietary lease. It is now XX/XX/XXXX and no one knows where we stand in the process. My buyer is threatening to walk by end of XXXX. I've contacted the bank many times and they just tell me they don't know. 

I have purchased and refinanced many homes in my life it and it never takes over 2 months for the bank to provide the underlying collateral for payoff and closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am not liable for this debt with Self Financial Bank. I do not have a contract with Self Financial Bank. Under 15 usc 1692c- I Rodney L Conte as the consumer can refuse to pay a debt collection. 15 USC 1681e ( b ) Compliance and procedures I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it and yours thats on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hindered my ability to obtain credit. Under the Fair Credit Report Act, unverifiable accounts must be DELETED in 30 days.

Company response to consumer: Closed with explanation