vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX. I identified discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The collection account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should not be on my credit report. I sent a letter to the collection agency in XXXX of XXXX  and they have yet to validate this account. I also notified XXXX and XXXX that they are reporting inaccurate information, but this too fell on deaf ears that is why I am now requesting for the removal of this account per the cfpb. There have been many FCRA and fdcpa violations and I can seek monetary damages if this account is not removed. This account was never verified therefore you can not continue to report this information. It has been over 7 months and the company has failed to provide proof that they own this account and they have failed. This balance is also not the same as what the original creditor is reporting. The letter that was mailed to the company is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I made a same-day payment to BMW Financial on the XXXX day ( XX/XX/XXXX ) via XXXX XXXX XXXXXXXX XXXX. I have an email confirmation/receipt from XXXX XXXX  showing the payment was made and sent to BMW on XX/XX/2023 at XXXX pst XXXX pm eastern, which is before their payment cut off time. When I logged into my BMW account it showed that the payment is being reported as received on XX/XX/2023 ( 60 days late ). I reached out to BMW and they were unwilling to change the information despite my having proof of when the funds were sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was mailed a Best But Citi credit card. I called Best Buy/Citi to inform them that I never signed up for this credit card. I then got in the mail a notification that the credit card had been used and purchased goods on this card, which was fraudulently created in my name. After this occurred, Best Buy canceled the credit card for being created fraudulently. However, this credit account is still on my Credit Report and I still get mail about an outstanding balance to be paid. I filed a fraud claim with Best Buy/Citi and XXXX. I never signed up for this card or made purchases on this card, and need it removed from my credit account.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
This is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: LA

Complaint narrative:
I tried to order me a cash app card and I'm unable to because the company says I violated terms of service but didn't disclose the terms violated. They closed my account and I'm not able to open another account with them. I think this is very shady for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. 

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Thank you for your prompt attention to this matter. 


The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
The interest on my loan was extremely high. I can not tell if they put a down payment on my deposit and everyone that was involved in my loan was fired. I just thought that was kind of odd. Can you help 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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
This is in regards to Chime bank. 

I was going through my statements for tax purposes and saw a bunch of unauthorized and fraudulent ACH Debits on my account from a company I never authorized or even recognized.

Im appalled that I never received notification from chime as this is obvious fraudulent activity based on my spending pattern and Im only finding out about it now. I tried even seeing if there was any email regarding these debits, nothing. 

I tried reaching out to support with XXXX XXXX XXXX and XXXX XXXX  and when I speak to chat or call in, I just get the same generic answer and cant ever speak to a manager or executive regarding this. Ive already filed a with the FDIC and XXXX 

I even reached out to support on their XXXX page, and they IMMEDIATELY blocked me. Something is fishy on their end. Please help me get the funds that were stolen from me returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: FL

Complaint narrative:
As a consumer of Finance of America Reverse I understand it is my obligation to maintain my home in good condition. XXXX XXXX of XX/XX/XXXX caused extreme damage through flooding. To prevent mold wet drywall had to be removed immediately. 

Unable to get response from general contractors to work on my thousand-square-foot, XXXX home, with the help of my family and friends the house was dried out in time. Work repairing damage continued with me as homeowner acting as my own general contractor with tremendous help from my family. 

A flood claim was filed, {$20000.00} advance was received from FEMA within days. The endorsed check was sent to Finance of America where funds were withheld for weeks.

Denied the use of the {$20000.00} advance in making repairs, I borrowed on my mortgage, thereby incurring interest and fees. And I continued to borrow as repair expenses mounted.

The balance of claim {$74000.00} was sent by FEMA to me XX/XX/XXXX. I sent the endorsed check to Finance of America. Scanned receipts of expenses in two batches totaling over {$60000.00} have been sent to Finance of America. Two days ago I received release of funds {$27000.00}, {$47000.00} being withheld.

In my obligation to maintain my home in good repair, I have had to borrow thousands, after having paid for flood insurance, my claim having been honored by FEMA, incurring interest and fees while Finance of America keeps my funds. They have made it extremely difficult for me to maintain my home in good repair. 

This is unfair business practice, an undue burden, adding unnecessary stress in a catastrophe. In the case of reverse mortgages, reasonable to assume users are elderly and therefore even more burdensome. This practice should not be allowed.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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: MI

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. 

XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

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 an 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.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HF Holdings
State: CA

Complaint narrative:
1 ) On XX/XX/XXXX  Received an email l from a collector asking to pay their client " XXXXXXXX XXXX XXXX XXXX " {$370.00} 2 ) On XX/XX/XXXX  I requested proof of an agreement signed by me. This was never provided. I also indicated that if they are able to provide the contract in question with my signature, I will honor my debt. 

3 ) XXXX XXXX XXXX XX/XX/, XXXX to me There is a digital contract that was attached.. You know what you signed, and you know that you owe the funds to my client respectfully. This is a courtesy before I place it on your credit and continue to affect your credit for the next 7 years. Keep in mind we report to credit at the end of this week. 

XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX It feels like I am being scammed. You sent me a contract with no signature. I can do the same, send you a PDF contract, and say you owe money. However ; without a signature is non binding. Please provide a signed copy of the contract from the vendor and I will review if I did indeed sign as speculated by the company then I will have no choice but to pay. 


XXXX XXXX XXXX XX/XX/2022, XXXX to XXXX XXXX XXXX XXXX I am formally responding to your contact about collecting a debt. You contacted me by both phone and email Tuesday, XX/XX/, and identified the debt as a signed contract. I do not have any responsibility for the debt youre trying to collect. 



If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that ( contract signed by me ). Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 



Also, please note that I have 30 days to dispute a debt from when I first receive the required information from the debt collector ; which I have not received. 

That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/, A store manager from a furniture company, left a voicemail on my husband cell phone for me to contact her in regards of a new account that was recently opened in my name. On XXXX, I contacted her via phone in regards of the new account that was recently opened. She informed me that furniture were recently bought on credit at a Furniture store. I informed her that I have not opened any new accounts or bought furniture at any stores. She said she had a feeling something wasnt right because I live in a totally different State. She gave me the account number and address the furniture was delivered to. She said they have been getting a lot of identity theft lately due to people being able to fill out applications & get approve on the internet. She sent me an email with her store information. I called the police in their State but was informed to contact the police where I reside at and then they will be able to investigate the case.I looked on my credit report and that person was approved for XXXX by the lender._________________

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was charged assuasive amounts of fees and it cause my acct to be overdrawn and I could not pay for it. All fees should be refunded back to me and the negative impact on my credit should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I have filed a previous complaint with Equifax, XXXX, and XXXX with no response. Can you please assist me in fixing the error. 

These are the facts : I sent letters to the credit bureaus multiple times inquiring about the removal of these unauthorized inquires Items were submitted on XXXX and various other dates. After pulling my report today I am seeing these items are still here. Can you please assist in getting the credit bureaus to respond and assist with taking care of these matters per the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, 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 been working on my TransUnion credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation