vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX Re : Formal Complaint - Fraudulent Transaction and Inadequate Response Dear Consumer Protection Agency, I am writing to file a formal complaint regarding an incident that occurred on XX/XX/XXXX, involving a fraudulent transaction at XXXX XXXX  XXXX, where I was a victim of deceptive practices and inadequate consumer protection measures. 
On the aforementioned date, I visited the XXXX XXXX XXXX  website to place a pickup order. The restaurant 's website exclusively facilitates pickup and delivery services through XXXX. Upon my arrival at the restaurant XXXX minutes later, both the restaurant attendee and the owner informed me that they had not received any online order requests. Despite presenting my receipt, they recommended contacting XXXX for assistance. 

I subsequently spoke with XXXX individuals from XXXX, both of whom had strong accents and did not disclose their names. The call center representative and supervisor informed me that the last recorded order with XXXX XXXX  was on XX/XX/XXXX, contradicting the date of my order. I initiated a three-way call with XXXX and XXXX XXXX  XXXX during which both parties denied any record of an online order & that my receipts order number was less than XXXX digits for XXXX orders. 

Concerned about the security of my information, I contacted my credit card company, Cash App, through both chat messenger and a phone call. Cash App advised waiting until the pending transaction cleared before taking action. I found this response unsettling, as it left me vulnerable to potential misuse of my account if additional funds were available. 

Despite informing Cash App of an open police report due to a previous identity theft incident from a lost wallet, they failed to offer proactive measures such as issuing a new credit card. Upon the clearance of the transaction, my dispute was promptly denied without a clear explanation. Cash App 's response was more re-victimizing than protective, subjecting me to unnecessary inconveniences and punitive policies. 

In light of the above, I am seeking your agency 's assistance in retrieving the amount of {$29.00} and safeguarding my account against further unauthorized charges. I have attached pertinent documents, including the purchase receipt, website copies, and call logs, to aid in your investigation. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. If you have any questions I can be reached at XXXX or email : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: DC

Complaint narrative:
This is a recent credit inquiry that was popped up on my report for Equifax. 

This is not my inquiry and I never applied for any loans or lines of credit with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
i applied to apple card many times, each time they deneid saying they can not verify identity. 
company do not provide additional info or ways to rectify the situation the info on my application is correct there is nothing wrong but apple denies it i uploaded my ID and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-12-06 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: TX

Complaint narrative:
In accordence with the fair credit reporting act XXXX  Account # 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 a 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 explanation
Consumer complaint received 2023-12-06 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: AZ

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act

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 2023-12-06 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: AZ

Complaint narrative:
I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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:
Dear Equifax Your company verified the below account right. I looked at the FTC site, and they stated that you have to tell me how you verified this account. You have to tell me details and not a boiler point letter. Please tell me now. Im waiting for your response, please re-investigate this item. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. High credit limit needs to have the correct limit. 

Please send me details on how this account was verified. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: NJ

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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 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: NJ

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 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to you with a matter of utmost urgency and concern regarding fraudulent accounts that have stained my credit report. Despite previous disputes and attempts to rectify this issue, these fraudulent entries persist, adversely affecting my creditworthiness and, consequently, my ability to provide a better opportunity for my family. 
XXXX XXXX XXXX XXXX XXXX-PLEASE DELETE!!!! 
It is disheartening to see the continued presence of this fraudulent account on my credit report, considering the significant efforts I have made to prove their illegitimacy. I understand that the Fair Credit Reporting Act ( FCRA ) mandates the accuracy and fairness of credit reporting, and I am confident that your bureau will take immediate action to address 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 2023-12-06 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. ACCOUNTS 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

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 2023-12-06 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: FL

Complaint narrative:
I am writing to request legal action against Shellpoint Mortgage Servicing for their unlawful and discriminatory practices regarding force-placed insurance. Force-placed insurance is a type of insurance that lenders can purchase on behalf of borrowers who fail to maintain adequate coverage on their property. However, I have proof that I have maintained sufficient insurance coverage on my property located at XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX since XXXX 

Despite providing the required documentation for each insurance policy for my property, Shellpoint has repeatedly ignored my evidence and phone calls from my insurance agent, XXXX XXXX of The XXXX XXXX. Shellpoint has continued to charge me for their own lender-placed insurance policy, which is much more expensive and provides less coverage than my own policy. This is a violation of federal and state laws, such as the Real Estate Settlement Procedures Act ( RESPA ), the Consumer Financial Protection Act ( CFPA ), and the Florida Insurance Code. 

I am not the only victim of Shellpoint 's abusive and fraudulent behavior. Many other customers of Shellpoint have reported similar experiences of harassment and discrimination. Shellpoint 's actions have caused me and others financial harm, emotional distress, and loss of dignity. 

I urge you to sue Shellpoint on my behalf and on behalf of other customers who have suffered from their illegal and unethical conduct. I have attached copies of my insurance policies, payment receipts, and correspondence with Shellpoint as evidence of their wrongdoing since they start servicing our loan. I hope you can help me and others get justice and compensation for the damages we have endured. 

Thank you for your attention and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX 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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. IN XXXX XXXX XXXX, there was a company illegal using my business account at Chase Bank which caused the account to close. This caused issues for me in the past with other banks i told them of the issue and they refused to solve the issue there are several reporting issues on my consumer report which caused me to be denied a business account therefore unable to create payroll.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: OR

Complaint narrative:
Hello, I filed a complaint to get on XXXX plan and EdFinancial was able to FINALLY get me on the plan after repeated calls. I made my first student loan payment before my due date of XX/XX/23. I noticed that my interest kept accumulating and was not waived. I talked to a rep who didnt understand that interest rates should be waived on XXXX XXXX. I actually had to read the studentaid.gov website information to her regarding interest rates being waived on XXXX. Asked for a supervisor who said that the interest would be waived after my due date of XX/XX/23. The due date came and went and my account has been accruing interest like crazy. It has not been waived AT ALL. I called again and another representative agreed that the interest rate should have been waived and my balance should be lowered than what it shows. She said it will go to their account department. I havent heard back and every day my interest accrues and my balance keeps growing. Im 100000 % certain that EdFinancial is unlawful and frauding borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX DEPT OF ED/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 2023-12-06 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: MO

Complaint narrative:
XXXX XXXX on numerous occasions submitted updates to my credit report on date XXXX XXXX report # XXXX XXXX XXXX report # XXXX and on XXXX XXXX report # XXXX after an dispute has been filed for incorrect Information on credit report.Under 15 u.s.c 1681 B of the Fair Credit Reporting Act this is for Permissible Purpose.

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 2023-12-06 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: SC

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.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Despite my repeated attempts to seek validation of this debt, your organization has failed to provide any satisfactory response. What is particularly distressing is that, upon reviewing my credit report, I discovered that this account is erroneously marked as a charged-off account with an outstanding balance. This misinformation is damaging to my financial standing and creditworthiness. I demand immediate action on your part to rectify this situation. Provide concrete evidence of the alleged charge-off and update the balance to {$0.00}, or alternatively, delete the negative payment status associated with this account. Failure to comply with this demand will not be tolerated. Account : XXXX XXXX XXXX XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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