vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
LOOKING FOR SOME ASSISTANCE WITH GETTING INFORMATION CORRECTED ON MY CREDIT REPORT

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 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery called me at XXXX in the morning on XXXX/XXXX/2023. I didnt answer. 

Portfolio Recovery called me at XXXX in the morning on XX/XX/2023. I didnt answer This is not on my credit report and is past the statued of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
This collection agency never contacted me by mail, nor phone to give me the required 30 days to dispute the debt. They contacted me 2 years after they claimed they received the debt and demanded payment. They would not give me an option to dispute the debt. A representative named XXXX XXXX Contacted me and demanded payment. When I asked about what the debt was, she went on to tell me they called me 18 times and this was the first time they have ever spoken with me. I made her aware that this was the first time I have received a phone call. She again went forth with demanding the payment, I told her I needed to know what the debt was and wanted to dispute it. She said she was going to go ahead and sue me for the debt and hung up. I called back asking to speak with a manager. I was put on hold and told the manager would have to call me back. I told them they needed to pull the recordings from my conversation with XXXX XXXX at XXXX. They gave me a ref # XXXX. The manager did call me back later that day, and soft spoke to me to calm me down from the past conversation with XXXX XXXX. He didn't offer again a chance for me to dispute the debt, and told me XXXX was just doing her job. I told him I was a bill collector for 3 years and I knew the laws of the FPCPA and my rights under the fair debt protection act that I could dispute the debt before any collection process was done, which included putting the debt onto my credit report. XXXX just walked to smooth things over and said that he would not have XXXX call me back for a while. I have still not received anything in writing about this debt. This debt is now appearing on my XXXX and XXXX credit report without my right to first dispute the debt.

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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I received a notification for 2 Hard Inquiries that are dated to XX/XX/23. One is XXXX and the other is Capital One. Neither Hard Inquiry was authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

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 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX Dear Equifax, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I XXXX contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 

XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022 If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: IN

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, and the date last reported is not accurate. This is also grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have a right to privacy 15 U.S.C section 1681 section 604 A section 2 it also states a customer reporting agency can not furnish a account without my written instructions 15 U.S.C 6801 protection of non public information 15 U.S.C 1681i ( 5 ) ( b ) reinserting of deletion 15 U.S.C 6802 obligation to respect a disclosure of information Also the credit bureaus took longer than 30 days to complete their investigation here is my certificate mail tracking number Equifax ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Account # ; XXXX, XXXX XXXX XXXX Account # ; XXXX, XXXX XXXX XXXX Account # ; XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion insists theres a fraud alert on my credit report. This is inaccurate and is preventing me from getting cell phone service from XXXX XXXX. Ive answered their security questions accurately and they still wont verify my identity. This is causing me alot of harm because of their inaccuracies.? 

Dates were XXXX/XXXX/2023

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 2023-06-04 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: LEXISNEXIS
State: VA

Complaint narrative:
Hi, when reviewing a copy of my LexisNexis report, I noticed some inaccuracies. I reported these 2 errors to LexisNexis as a dispute on XX/XX/XXXX case # : XXXX. They requested further documents which I sent on XX/XX/XXXX via email is regards to the new case # : XXXX. They requested additional information which I sent in on XX/XX/XXXX case # : XXXX. I have now received a letter dated XX/XX/XXXX stating they are unable to locate the data. I have already sent them the exact pages that it is listed in my report, pages XXXX on my XX/XX/XXXX produced report and I included a copy of those pages in my response. This information is XX/XX/XXXX and XX/XX/XXXX and needs to be removed from my report. They have listed 2 different auto insurance claims to me which are completely unrelated to me and don't even have my name attached to to them, they list a XXXX XXXX, but that isn't my name and cars listed that I have never owned in a state I have never visited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Portfolio Recovery in XXXX calls me at least three times a day over a 7-day period. If I do not answer, they will call from a different number. I have asked to stop the repeated phone calls as I work and they are constantly calling. For the past week, I have received three phone calls a day from Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: PA

Complaint narrative:
On XX/XX/2023 Sequium Asset Solution has flagged my collections for {$2300.00}. I have no knowledge of this debt or where it comes from. I never gave sequium asset solution my personal information or permission to use it. So I dont understand how they are able to flag my credit report with a false debt .Ive tried to contact them via phone, but I cant get in touch with anyone. This has dramatically affected my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: WI

Complaint narrative:
On XX/XX/XXXX i traded my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX paid XXXX XXXX and received the title for the transaction. The check was short XXXX and no one was made aware of this. XXXX XXXX put late fees and charge off on my credit report. I obtain a letter from XXXX XXXX explaining how this is their responsibility and that it should not be any late fees or charge offs on my account. I have talked to XXXX XXXX about this 5-7 times now. Each time i was told my account will be fixed, so far no updates. Been trying since last year to fix this situation.

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 2023-06-04 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: MS

Complaint narrative:
This complaint is against CashApp, XXXX XXXX, XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, phone number, XXXX. 

I am writing to dispute a charge of {$730.00} to my CashApp debit card account on XX/XX/2023. The charge is fraudulent. I spoke with a CashApp representatives on XX/XX/2023, to stop the payment, but the payment had already processed. I filed a claim with that representative to report the fraud and refund my {$730.00}. 

I learned that CashApp denied the claim two days later, on XX/XX/2023. The denial claim stated, After further review, it appears that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. You can reach out to support for dispute documentation at any time. 

This denial is unfounded. I did not receive the merchandise and am unable to contact the company. How did CashApp 's representative contact the company? 

This is what happened : On XX/XX/XXXX ( XXXX XXXX XXXX XXXX, I placed an on-line order for a XXXX XXXX in. XXXX XXXX XXXX XXXX for {$730.00} with a company named XXXX. The order number is XXXX. 

According to my debit card transactions, the {$730.00} payment was paid through www.sjbmqa.site. I also received information that the payment was made through Stripe payment system. The order confirmation number is XXXX. 

I have not received the riding mower and am unable to contact the company through phone, email, or website. I have attempted to contact the company via email six times at this email address - XXXX XXXX XXXX. The emails return with an error message that this is not a good email address. 

Also, I am not able to contact the company at phone number XXXX. The phone just rings and rings. 

The address for XXXX is listed as XXXX XXXX XXXX, XXXX, CA XXXX. 

I would like to have my {$730.00} that I was scammed out of, refunded to me. And would like to report that this is a fraudulent company that is scamming citizens out of money. Are you able to help me recover my {$730.00}, please?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I'm writing to express my concern regarding the unexpected restriction and blockage of my Apple Card spending capabilities, which occurred following an attempted {$99.00} purchase at an Apple Store. It's rather ironic that I've encountered this issue while shopping at Apple, wouldn't you agree? Despite my earnest attempts to resolve this situation through your Customer Support channels, including both text messages and phone calls, I have received scant information beyond the fact that my account is currently under review. Regrettably, no definitive timeline for this review process has been provided, leaving me in the dark about how long it may take. As a result, my card is presently unusable. Neither the Customer Support representatives nor any supervisors have been able to furnish me with more detailed information regarding the cause of this restriction. I've been informed that I am simply to wait patiently for a call back from " upper management ''. As a loyal Apple customer for nearly two years, I have, on previous occasions, been faced with challenges that have received the standard " We're sorry for the inconvenience '' response. However, in this instance, I believe that a more comprehensive response is needed. The implications of this account restriction are significant, and I would greatly appreciate a thorough and timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
I NEED HELP PAYING A XXXX DOLLAR BACK MORTGAGE PAYMENT I CANT LOSE MY HOUSE DUE TOO ME BEING SICK AND LAYED OFF OF WORK I HAVE BEEN SENDING IN AS MUCH MONEY AS I CAN BUT I STILL NEED HELP I HAVE A XXXX XXXX XXXX CHILD WHO LIVES WITH ME AND A XXXX  GRANDMOTHER WE NEED OUR HOUSE MY ADDRESS IS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX IS FLAGSTAR BANK

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 2023-06-04 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: NC

Complaint narrative:
The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-06-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
During the month of XXXX I noticed some unusual transactions on my chime checking account. I immediately contacted chine and described the issue they told me i could dispute. I proceeded to dispute it like they told me to when a transaction that wasnt made by me done. By this time it made me realize my card was compromised so i cancelled my card and got a new one. Days later when my new card was supposed to come i go a email saying chime closed my account. I did not know why because i had not done nothing. After receiving emails from chime they said my account did not follow the rules of deposits which was false because i was getting weekly deposits from my employer and getting deposits from my school every 3 months. Chime falsely closed my account based off false accusations and wouldnt offer me another suggestion on getting access to my funds totaling up to almost a thousand dollars in my account. I asked for several suggestions such as a expedited check mailed out but they continually told me it would be 30 days which is highly unacceptable given the mistake on closing my account was on their end.

Company response to consumer: Closed with explanation