vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX XXXX XXXX 
To following information on my credit report is the result of identity theft and should be blocked : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX XXXX at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This pertains to a condo I bought and just sold in XXXX, TN. 
Lender : Shellpoint Mortgage Servicing, XXXX, SC. 

" Default interest '' @ 35 % equalling nearly {$25000.00} was charged to me when I missed a few loan payments this past year due to family emergency. I was never warned of this nor is the lender specifying what their damages are to support doing this, which seems highly unethical and possibly illegal to me as I had made up for it in paid penalties/late fees for missed payments. 

Lender has failed to prove/itemize their losses to withhold {$25000.00}.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-21 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: NJ

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm is calling XXXX times a day which is in violation of FDCPA of harrassing phone calls to where I had to finally block them and call from different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-21 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: GA

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2024-11-21 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:
I am requesting that these accounts are immediately removed from my credit profile : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$4500.00} Balance : {$5000.00} Date Opened : XXXX Account Number : XXXX Creditor XXXX XXXX XXXX XXXX XXXX  Original Balance : {$6000.00} Balance : {$7800.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5500.00} Balance : {$6100.00} Date Opened : XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Original Balance : {$5000.00} Balance : {$6300.00} Date Opened : XXXX This information is part of a class action lawsuit against THE XXXX XXXXXXXX XXXX XXXXXXXX. This institution has been permanently closed due to illegally charging XXXX inaccurate amounts. Due to the fraudulent nature of these accounts, they have been paid off and XXXX by the XXXX XXXXXXXX XXXX XXXXXXXX. I AM REQUESTING AN IMMEDIATE DELETION OF THIS INFORMATION!

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXXXXXX XXXX have lied avoiding as I am told by early Warning and XXXX I have an account at XXXX XXXX and by indicating " A DUPLICATE '' on CFPB means you have an issue there for me and you need to address. NOTE, your client XXXX XXXX XXXX XXXXXXXX immigrant XXXX XXXX XXXX  XXXX were reported as fake XXXX XXXX too and got fired and currently under investigation as XXXX here on an XXXX. He cash two  XXXX escrow account checks in my name at XXXX XXXX XXXX XXXX and I reported as XXXX with det. XXXX XXXX XXXX. Also at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX loan XXXX and cover up loan XXXX are supported by XXXX XXXX of XXXX XXXX XXXX has now confessed that this is mortgage fraud under CFPB # XXXX for your review. Please release details as to any connection to my property XXXX XXXX XXXX as you will find chase confirmation numbers as XXXX and XXXX. 

XXXX XXXX  # XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
XXXXXXXX XXXX have lied avoiding as I am told by early Warning and innovis I have an account at XXXX XXXX and by indicating " A DUPLICATE '' on CFPB means you have an issue there for me and you need to address. NOTE, your client XXXX XXXX XXXXllegal XXXX immigrant XXXX XXXX fake XXXX were reported as fake XXXX XXXX too and got fired and currently under investigation as XXXX here on an XXXX. He cash two XXXX escrow account checks in my name at XXXX XXXX XXXX XXXX and I reported as XXXX with det. XXXX XXXX XXXX. Also at XXXX XXXX XXXX XXXX MI XXXX loan XXXX and cover up loan XXXX are supported by XXXX XXXX of XXXX XXXX XXXX has now confessed that this is mortgage fraud under CFPB # XXXX for your review. Please release details as to any connection to my property XXXX XXXX XXXX as you will find chase confirmation numbers as XXXX and XXXX. 

XXXX XXXXXXXX # XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX CLAIM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I wanted to know what action I did that violated some company policy and was told they don't have to tell me and my account stays open but unusable with my bank and debit card unlikable with them. It's PayPal and I want to be totally deleted with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: GA

Complaint narrative:
I found several issues on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), and these need to be addressed immediately : Incorrect Personal Information : My credit report lists addresses that are not mine : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX These addresses are incorrect and must be removed immediately to ensure accuracy. 
Late Payment Misreporting : My account with XXXX is incorrectly reported as having a late payment. This is inaccurate and violates XXXX XXXX XXXX ( b ), which requires credit reporting agencies to use reasonable procedures to ensure maximum possible accuracy. I am requesting that this account be updated to reflect " paid as agreed, never late. '' Unauthorized Hard Inquiries : My credit report includes several hard inquiries made without my authorization, violating 15 USC 1681b ( a ) ( 2 ). These include : XXXX XXXX XXXX ( XX/XX/year> ) XXXXXXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX  ( XX/XX/year> ) These inquiries are unauthorized and must be deleted immediately. 
XXXX or XXXX Accounts : My credit report may also contain other accounts that are either unauthorized or inaccurately reported. Reporting such information violates FCRA Section 623 ( a ) ( 1 ), and I demand these accounts be removed after proper validation. 
These inaccuracies and unauthorized entries are unacceptable and directly impact my financial reputation. I expect these issues to be resolved promptly. If you fail to take immediate action, I will have no choice but to pursue the legal remedies available to me under the FCRA, which provides for statutory damages and other penalties for noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I filed XXXX separate disputes and lost both disputes within 5 days of filing, even with clear court documents that I should have won I ask them why did I loose the dispute an to send me the findings on why I lost. I asked them for several months in the findings and Ive been ignored. I submitted appeals and lost within minutes of filing. I dont know what to do I need my funds its court proof I should have won Details of disputes My apartment complex said I never paid XXXX and evicted me. I paid XXXX on my card ( one dispute Im disputing ) I moved out in XXXX then a charge came onto my card in XXXX. I called the apartments and finally after weeks of calling the lady said the last XXXX of my card was used for someone else and hung up. Then I disputed the second charge ( second dispute ). 
Its in the court documents that they said I didnt pay XXXX. And I was out by XXXX so it wouldnt be a charge for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: IN

Complaint narrative:
On XX/XX/XXXX, I was notified that XXXX different creditors had run my credit. I have since received tons of mail from people saying they ran my credit and I could not get an auto loan. The problem is that I NEVER requested nor authorized any of these companies to review my credit or give me an auto loan. 

These are the companies that requested my credit : 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 None of them were authorized to run my credit, and they won't help me over the phone. Now, my credit score has tanked by XXXX points because of multiple hard inquiries that I never made. I am not sure if this is a case of identity theft, as I did have a lot going on with family and in the process of moving, but either way, I find their lack of help astounding.

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 2024-11-21 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, I was notified that XXXX different creditors had run my credit. I have since received tons of mail from people saying they ran my credit and I could not get an auto loan. The problem is that I NEVER requested nor authorized any of these companies to review my credit or give me an auto loan. 

These are the companies that requested my credit : XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX None of them were authorized to run my credit, and they won't help me over the phone. Now, my credit score has tanked by XXXX points because of multiple hard inquiries that I never made. I am not sure if this is a case of identity theft, as I did have a lot going on with family and in the process of moving, but either way, I find their lack of help astounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: DE

Complaint narrative:
XX/XX/2024 I am unable to access my Cash App account. This account has funds on it. I have access and control of the email address associated with the account and complete the verification. Then it asks for me to verify my bank card associated with the account. That card expired and was replaced. The card does not physically exist. I told them I can provide my US Federal drivers license, a birth certificate, any other form of identity verification etc but they will not grant me access to the account or give me any information about the balance held on the account etc. From my perspective this is consumer fraud and theft. Cash App is holding my funds and the only form of identity verification they will accept doesnt exist ( debit cards expire )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened my checking account with Citibank using my current phone number and email about 2 months ago. Within a week I used XXXX ( a program given to me through their website ) and they marked it as fraud, froze my account. I have called them at least 6 times, told them my social, DOB, security word, card number, pin answered all of the security questions and they still will not unlock my account. I went there with my social, birth certificate and drivers license and they still will not unlock it. They sent me a code that I have to retrieve but they sent it to an old address I have no access to anymore and that took 7-10 days. When I told them I didnt get the code, they told me they would send another and it would take another 7-10 days to receive. They also sent this to my old address. They have held my money from me for almost 2 months and keep me on a revolving cycle of sending me another code to an address I dont have. I didnt even have the address when I set the account up. They are picking random old addresses of mine to send this code too. I asked them to close the account, they told me no because its frozen. I asked them of another way to verify y account and their only answer is theyll send another letter. 

I have late fees on bills because of this. They are holding my money XXXX and then paying themselves a fee each month for holding it.

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 2024-11-21 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:
I don't recognize these credit inquiries and I have asked for them to be removed and the bureaus did not do as I asked. I'm providing an identity theft report that I will attach to this and I'm requesting them to be removed because they are inaccurate and not mines.

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