vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 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: Rocket Mortgage, LLC
State: DE

Complaint narrative:
I've had my identity stolen in the past and unauthorized use of my information even while spelling my name incorrectly. There are inquiries that I am not familiar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: AZ

Complaint narrative:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, they have 5 inaccurate late payments reported, and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-11 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: LendingPoint Holdings LLC
State: NC

Complaint narrative:
Lending Point LLC and XXXX XXXX contacted me stating I was preapproved for a personal loan as of today XX/XX/2023. They stated all I had to do was accept the terms and sign the loan agreement. They stated since I was already approved they would not be doing a hard credit pull. After agreeing to the terms and signing the contract Lending point did a hard credit pull reducing my credit score even further!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
several months ago, I spoke with a respresentative from Mr. Cooper who indicated I would have the option to put my past due balance on the back of my mortgage as a balloon payment. Surprisingly. the last XXXX representatives I spoke with have indicated I do not have that option available. XXXX months ago I spoke to a representative who asked several questions over the phone then said this was part of their process to see what program I qualify for. This gentlement indicated I would receive a packet in the mail requesting additional information and to be on the look out. Surprisingly, I received a random denial for a program I was unaware he was trying to get me involved with. I called immediately again, The representative indicated on XXXX I can either pay the {$24000.00} past due today and split {$4000.00} in 3-6 payments, pay the full amount of {$28000.00}, or request a modification. Every time I call I get a different story every single time. I just want to resolve this issue, get my mortgage reinstated and the past due put on the back of the mortgage like I waS TOLD at the beginning before I went on this program. They are not being truthful and I feel like its a shakedown and intimidation tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MSCB, Inc.
State: IN

Complaint narrative:
This number belonging to MSCB keeps robo-calling my do-not-call registered cellphone asking for someone else, when I respond " 2 '' that I am not that person a recording plays telling me to call another number to be removed. This is not the first time I've gone through this mess and inevitably they keep calling for someone else 's debt and try to put the burden of stopping their harassment on me.

It's unfair they can harass someone with robocalls and require someone to have spend more of their to call this company back to fix their error. I don't have a debt with you, so you have no right to contact me to the point of harassment in pursuit of that debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I sent a wire transfer of {$930.00} from my XXXX account to my Cashapp account on XX/XX/2023 at XXXX XXXX. I did not know of the maximum 2 wire transfers a week rule, so this was the 3rd one and it was declined by Cashapp on XX/XX/2023 at XXXXXXXX XXXX Cashapp informed me that it actually declined the next day XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and that within 48 hours it would be sent back to the bank the wire originated from. That would put it sent back no later than Friday XX/XX/XXXX at XXXXXXXX XXXX, it never showed up. I talked to my XXXXXXXX XXXX first and they verified it had not been sent yet late Friday afternoon. They told me to ask Cashapp for documentation showing they sent the wire back and Cashapp refuses to provide me with this documentation. I've talked to numerous " customer support agents '' and none have helped me a bit. They just give me the same regurgitated information saying it will be sent back in 48 hours, we are way past that now. Cashapp refuses to help me in this matter and that is why I am writing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Americor Funding, LLC
State: TN

Complaint narrative:
Company calls 3 or 4 times daily, significantly exceeding their 7 allotted calls in a seven-day period. This is considered harassment and violates the FTC regulations. Their number : 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 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: DISCOVER BANK
State: WV

Complaint narrative:
To continue - I contacted XXXX and talked to XXXX, XXXX and XXXX. Told to call Discover and spoke to XXXX, XXXX XXXX ( disconnected ), spoke to XXXX, and XXXX. Told I had to pay total of XXXX by XX/XX/XXXX - i told them I could pay as I only get a little of {$1800.00} per month from SS ( after working since I was XXXX XXXX XXXX to XXXX XXXX XXXX. Was told by SS that they didnt count work before I was XXXX XXXX XXXX even-though I worked several full and part-time jobs prior.. I cant pay that and pay other bills. XXXX has not responded to a request for a three-way call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, XXXX, AND ALSO XX/XX/2018 I HAVE REPORTED THIS INCORRECT INFORMATION TO THE CREDIT BUREAU ON ALL THE DAYS LISTED ABOVE AND EXPERIAN HAVE REFUSE TO REMOVE THIS INFORMATION FROM MY CREDIT REPORT AFTER I HAVE SENT IN DOCUMENTS FROM LETTERS FROM US BANKRUPTCY COURT IN XXXX IL STATED THAT THEY DIDN'T VERIFY THE INCORRECT INFORMATION THAT THEY ARE REPORTING ON MY CREDIT FILE. THEY REFUSE TO GIVE ME A DIRECT REPOSE AFTER I HAVE PROVIDED THEM WITH NUMEROUS AMOUNTS OF DOCUMENTS. THIS INFORMATION IS HIDDERING ME FROM GETTING JOBS, LICENSES, AND CREDIT.THIS IS HIDDERING AND HAS BECAME A BURDEN ON MY LIFE. ACCORDING TO THE CONSUMER LAW 15 U.S CODE 1681B-PERMISSIBLE PURPOSES OF CONSUMER REPORT, 15 US CODE 1681C-1-IDENITY THEFT PREVENTION : FRAUD ALARTS AND ACTIVE DUTY ALARTS, ALSO15 U S CODE1681C-2-BLOCK OF INFORMATION RESULTING FROM IDENITY THEFT. THESE LAWS ALONG PROVES THAT XXXX IS VIOLATE MY RIGHTS AS A US CITIZEN AND CONSUMER. I HAVE SEND THEM OVER TWENTY DOCUMENTS IN THE PASS FIVE YEARS.THEY HAVE REFUSE TO MAKE ANY CHANGES.

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 2023-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Snap Recovery, Inc.
State: CO

Complaint narrative:
The collection agency attempted to reach me last week, they called my spouse and discussed the debt they are trying to claim with her. They said I owed their client money and I don't know why they would say that as I didn't have a contract with them, my business did but that contract was completed. I called them and asked them why they had been trying to contact us and they said to either come up with a solution today or they would negatively affect my credit and sue me personally not the business. When I asked why they would be going after me personally they said its because their client wants to go after me and not the business. They threatened me with legal action before and after I asked for everything in writing saying they had sent me an email I did not receive. They have already violated the Fair Debt Collection Practices Act by threatening me and contacting others about the debt they claim I owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.

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 2023-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On Sunday XX/XX/23 I was making a purchase on the Lowes online store site and as I was getting ready to pay I noticed a link at the bottom of the page with the first letter of my name a " XXXX  '' not a " XXXX '' where my name and address matches my form of payment my Lowes credit card. I clicked on the link to update my name and it would not change my name. Immediately after making my payment to the site, I received a pop on my screen from XXXX XXXX XXXX while my VPN is on advising XXXX thwarted a XXXX XXXX XXXX on my account. The Synchrony Bank account is not secure and infected by a virus displaying my account info. I made the purchase via the actual Lowes website and not redirected to a fake website. I tried contacting Synchrony Bank just now and was transferred to a black hole. I proceeded to call back and the wait time is over 30-minutes.

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 2023-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Chime Inc.
State: TX

Complaint narrative:
Sendwave is the company name. 
I sent money to XXXX twice with this company and they did not deliver the money. It appears they are trading with peoples money when you send money through their service. They will keep your money for a whole week and then send it back to you as undeliverable. In 2 weeks they could not deliver {$300.00} dollars to XXXX bank in local currency. Not to mention also the fact that they deliberately extend the hold phone time to their customers service with average being 40 mins. Transfer reference number. 
XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
On XX/XX/XXXX, I began my job at XXXX XXXX XXXX as the Excellence in Banking Director. I left my job as Chairman, President and CEO of the XXXX XXXX XXXX XXXX, Texas region. I lived at XXXX XXXX XXXX in XXXX and had a XXXX XXXX XXXX that was installed in XXXX. XXXX XXXX XXXX my successor bought my home and we called XXXX and they agreed to transfer the billing to him as he would keep the equipment. We did exactly as instructed and he is still with XXXX today. In XX/XX/XXXX, a collection was filed in the amount of {$550.00} with the credit bureau 's by Zions Debt Holdings, who received the collection from XXXX, who received the collection from XXXX. XXXX never closed out my account even though they made the transfer to XXXX XXXX XXXX. XXXX has never missed receiving payment for their service at XXXXXXXX XXXX  since XXXX. I have spent over 3 hours only to be run in circles even though XXXX acknowledges the debt is not owed. My credit score has dropped from my perfect XXXX to around XXXX and I could let this roll off in a couple of years, but their behavior is wrong, both morally and in my opinion legally. Given this experience and their response to me trying to do the right thing, I believe you will find countless other people that XXXX is trying to fraudulently collect money from. I look forward to visiting with anyone about this manner. 
Take care. 
XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXXXXXX  I wrote into the XXXX against Cash App advising that several fraudulent accounts including cash cards had been opened in my name without my permission resulting from identity theft. Cash app responded with the response below claiming to have closed and deleted said accounts. However when I went to use cash app for the first time on XX/XX/ the account was immediately closed stating I violated their terms and conditions of service. I have never accessed their service and I did not use their service. I could not have possibly violated their terms of service if I havent used their service. The account was not used to make any transactions. Cash app just closed it because of the past fraudulent accounts. When I emailed cash app to ask why those accounts werent closed they claimed they closed they told me they didnt have enough evidence to review my claim. When asked if cash app could provide proof of any authorized previous account because again Ive never applied for their service, and I dont have any other email addresses cash app proceeded to tell me they cant talk to me about this matter and that to check if an email has been hacked how to recover it. Well my emails never been hacked as I dont have any other email addresses. So Im not sure what they are requesting me to recover. Cash app is conducting shady practices. XXXX is fraud, XXXX fraud, XXXX FRAUD. And I dont have access to these email addresses because I didnt create them. A fraudster did. I also have extended fraud victim statements on all my credit files and Ive never owned a cash card or cash app account in my life. Nor have I authorized any account to be applied for or used. Ive never received any cards from their company, and Ive never made any transactions with their company. Cash app knows this and still wont do anything about it. They do not have any proof because this account application wasnt made by me or authorized. Cash app allowed identity theft and then refuse to assist. Which is unacceptable and shouldnt say someone violated their terms that never agreed to their terms nor used their service.

Company response to consumer: Closed with explanation