vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
Amsher Collection Services attempted to collect a debt that was already paid to XXXX They were also reporting it on my XXXX. I showed proof the debt was paid, yet Amsher will not remove it from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2024-11-29 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:
XXXX XXXX. 

I joined the company to improve my credit. My identity was stolen and my checking account was emptied and closed. I didnt have an account I could connect there continued to be an error with my credit union. 
I contacted them immediately and got no answer then three months later as I joined a new back that plaid would connect with and rejoined but they are reporting three months late and I am not late at all. 

This is an error and needs to be corrected as it is dramatically affecting my credit profile.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 

The following incorrect addresses are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My actual and current address is as follows : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the 30-day timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. If you need further information, you may contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: NV

Complaint narrative:
I am writing to formally request the deletion and blocking of all fraudulent accounts and inquiries listed below from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach and identity theft, these accounts were opened or used without my authorization. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally request the deletion and blocking of all fraudulent accounts and inquiries listed below from my credit report, in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach and identity theft, these accounts were opened or used without my authorization. 
Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of unauthorized inquiries on my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following hard inquiries were not authorized by me : Unauthorized Inquiries : 1. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of unauthorized inquiries on my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following hard inquiries were not authorized by me : Unauthorized Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/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 2024-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I have been debanked and all my property was stolen. this is currently in litigation. do not contact me again. contact : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please remove the inaccurate accounts being reported on my credit file.

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 2024-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App closed my account without providing me any details as to why. They refused to provide me any information regarding the closure, stating its policy. I have worked in the financial industry going on XXXX  years, any time we close any type of account, customers are provided details as to the closure. I was told I can never have another account with cash app, again they refuse to provide any information as to why. I spoke with several customer service agents and filed 2 appeals about this matter. They treat me like Im some type of criminal, which Im not.

My Cash App account was only used for making purchases and sending monies to family and friends. They also told me to read the terms and conditions, read several times. I violated no of their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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: OH

Complaint narrative:
I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with XXXX. Both the Equifax Data Breach of XXXX, and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at buying a home or securing a solid credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI

Complaint narrative:
I sold my house and check was sent to morgage company XXXX Every single time I call I recieve a different answer regarding funds overage I have XXXX different documents that state different escrow amount also a document stating insurance was not paid but it was One document states XXXX XXXX I applied XXXX customer service people state a check was sent XXXX said no no check was sent A payment of XXXX was sent but they applied a payment of XXXX All of it is extremely confusing and very contradictory I am owed money even my closing attorney said it I just want a break down from XXXX til now none of it makes sense

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX sold- Account type Open account Date opened XX/XX/XXXX Status- Status updated XX/XX/XXXX This account is incorrect this account is with capital XXXX that its last negative report was well over XXXX  years ago this account did not open in XXXX and does not belong to XXXX  XXXX. this needs to be deleted completely from my report The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law I intend to follow through with this if it is not rectified and I am compensated immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 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:
PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM VICTIM OF IDENTITY THEFT AND DATA BREACH

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 2024-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Request for Reconsideration of Credit Application Dear Marcus by Goldman Sachs, I am writing to formally address the decision regarding my recent credit application, which I believe may have been unfairly impacted by an evaluation of my credit score and financial worthiness. Per the Uniform Commercial Code ( UCC ), I assert my rights to open credit and object to any decision made solely based on credit scoring or worthiness, as it negatively impacts my character and reputation.

Under UCC 9-109, a secured party may not deny an application based solely on a partys creditworthiness or score. Furthermore, UCC 3-402 outlines that the signature and intent to agree to a contract or financial arrangement are binding and enforceable, and such credit applications can not be denied arbitrarily.

As a consumer with open credit and sufficient financial means, I respectfully request that you reconsider your decision and grant me the full credit amount as outlined in my application. Denying credit based on credit score alone reflects an unjust characterization and is a disservice to my reputation and your commitment to fair and lawful financial practices. Should you require any additional information or clarification, I am happy to provide it. I trust that you will correct this oversight and look forward to receiving your favorable response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to request your assistance in resolving an issue with my bank regarding monthly maintenance fees deducted from my account. 

Since XX/XX/year>, a total of 16 monthly maintenance fees of {$12.00} each have been charged to my account. When I contacted the bank, I was told these charges were due to my account balance being low. However, when I opened this account, the banker specifically informed me that there were no balance requirements for avoiding maintenance fees. 

These unexpected fees have caused significant financial strain, especially as I have been facing considerable personal challenges. Over the past few months, I have struggled with XXXX and even XXXX attempts. As an XXXX student, I have also had difficulty finding stable employment and securing my current job. Managing my finances has been extremely challenging, and I feel overwhelmed trying to navigate these banking issues. 

I have been a loyal customer of this bank for quite some time and have always done my best to manage my account responsibly. I am reaching out to the CFPB because I need help addressing this matter and ensuring fair treatment from my bank. 

Please let me know if you require additional information, such as account statements or documentation of my interactions with the bank. I appreciate your attention to this matter and any assistance you can provide. 

Thank you for your understanding and support.

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 monetary relief
Consumer complaint received 2024-11-29 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # : XXXX XXXX : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 

With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation