vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-28 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: Skrill USA, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I deposited {$100.00} to my skrill account. I had been using the card earlier in the day so I didn't think there were any issues. On XX/XX/XXXX I awoke and tried to use the card at an ATM. The transaction was declined. I checked my app and it said my card was locked for security reasons and to " not '' contact them until after XXXX. I didn't understand and contacted them immediately. I was told there was nothing I needed to do and that it was a standard security check. They couldn't tell exactly when my money would be released. I asked why I wasn't notified and they said they didn't have to and that it's in their " Terms & Conditions ''. I asked where and when they told me the paragraph I began to recite it. After I finished I said that was not the correct and they hung up on me. This happened on XXXX occasions and both supervisors told me different paragraphs and both hung up on me after I read what they said. After this i called back again and nobody else would speak with me and just kept telling me I was going to get a call back later. It's been XXXX hrs now and my funds have still not been released and I still have no real time-frame or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-09-28 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: MA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a student loan account opened at XXXX, account number XXXX, opened on XX/XX/XXXX ; a car loan with XXXX, account number XXXX, opened on XX/XX/XXXX ; a student loan account opened at XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX XXXX  XXXX, account XXXX XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XX/XX/XXXX ; a collection account at XXXX, account number XXXX, opened on XX/XX/XXXX ; a car loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXXXXXX XXXX XXXXXXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX  XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX XXXX XXXX XXXXXXXX, account number XXXX, opened on XX/XX/XXXX ; a personal charge account XXXX XXXX XXXX account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card at XXXX, account number XXXX, opened on XX/XX/XXXX ; a personal charge account at XXXX account number XXXX, opened on XX/XX/XXXX ; a collection account with XXXX, account number XXXX, opened on XX/XX/XXXX XXXX a XXXX account with XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; an unsecured credit card with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX ; and a collection account at XXXX, account number XXXX, opened on XX/XX/XXXX. 
These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Call all the accounts to ask for proof that I opened the accounts. I called the police to try and make a report but I was told to call the credit bureau to report fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
I made my XXXX payment in the amount of {$1500.00}. I made my XXXX payment in the amount of {$1500.00}. I made my XXXX payment in the amount of {$1600.00} because my statement was showing I had additional cost because of a shortage. I attached a copy of my statement to show this amount. So I paid the {$1600.00}. Then, I paid my XXXX payment on XX/XX/year>. I have also included a copy of my payment summary from Flagstar 's website. But my account summary is saying I am late. On my statement is says in regard to the suspense account " ... the funds are being held because it is not sufficient to apply a full monthly payment. Upon receipt of the necessary difference the funds will be credited to the mortgage. '' It was a full payment that was sent, and I have called numerous times to get an explanation. I have enclosed the most up to date statement that was on Flagstar 's website to show that my payment is still in suspense. 

I called on XX/XX/year> at XXXX a.m. and spoke with XXXX. She told me the payment was being held in suspense until my bankruptcy trustee updates the mortgage account. I called my bankruptcy attorney and indicated this information and she told me that is not true. The trustee does not update mortgage accounts. Then, on XX/XX/year> at XXXX a.m. I spoke with XXXX, I was told my money was in the suspense account because of my bankruptcy which I told them it is not true because I spoke with my bankruptcy attorney about it and my attorney indicated that is not how it works. Also, that does not reflect on my statement in regard to the suspense account. Then, I was told in a few days the money should be out of the suspense account and I said I will call back that Friday or Monday and make sure it is out of the suspense account. Then, I called again on XX/XX/year> at XXXXXXXX XXXXXXXX and spoke with XXXX, then I was told that it was in the bankruptcy department and they will relinquish the funds but it is not showing as past due. But, my account summary page on their web page shows I am past due. I have made all my payments to date and the other payments I made did not go into the suspense account except the {$1600.00} payment. I have received every excuse of why it is in the suspense account. This was not a partial payment, this was a full payment according to my statement that is attached. That money needs to be applied to my mortgage.

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 2024-09-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I keep trying to tell the company that I did not open this account up when this account says that it was open that it was not me, but it keeps saying that it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: FL

Complaint narrative:
UN-AUTHORIZED ACCOUNTS/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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After reviewing my credit report again, I discovered additional fraudulent accounts that I did not authorize. I have already reported the initial fraud to the Federal Trade Commission, but these new fraudulent items are still on my report and pose a risk of further unauthorized activity.

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 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2024-09-28 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: TX

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Date : XX/XX/XXXX Subject : Request for Debt Validation To Whom It May Concern, I hope this message finds you well. I am writing to formally request validation of a debt that your company has reported and is attempting to collect. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request documentation to verify the legitimacy of this debt. 

Details of the Debt : Date of Origination : XX/XX/XXXX Amount Claimed : {$860.00} Actions Taken by Your Company : Reporting this debt to credit agencies without prior notification or communication with me. 
To proceed, I kindly ask that you provide the following information : Verification of the debt, including the original amount owed and any additional fees or interest applied. 
Proof of ownership of the debt by your company, as well as any documents showing the assignment of the debt to your agency. 
Records of any communications your company has sent to me regarding this debt. 
I expect to receive this information within the timeframe specified by law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp refused to send me to a Supervisor on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have paid and have receipts and ftc reports and police reports the bureaus are still leaving this charged off account of my report which is hurting my score please remove this immediately 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 2024-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
Date : XX/XX/year> Subject : Request for Debt Validation To Whom It May Concern, I hope this message finds you well. I am writing to formally request validation of a debt that your company has reported and is attempting to collect. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request documentation to verify the legitimacy of this debt. 

Details of the Debt : Date of Origination : XX/XX/year> Amount Claimed : {$190.00} Actions Taken by Your Company : Reporting this debt to credit agencies without prior notification or communication with me. 
To proceed, I kindly ask that you provide the following information : Verification of the debt, including the original amount owed and any additional fees or interest applied.

Proof of ownership of the debt by your company, as well as any documents showing the assignment of the debt to your agency. 

Records of any communications your company has sent to me regarding this debt. 

I expect to receive this information within the timeframe specified by law. 

Thank you for your prompt attention to 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 2024-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 non-monetary relief