vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Someone used my information to apply for an apartment without my knowledge or permission. They pretended to be me. Now Im being harassed for a debt that doesnt belong to me. 
National credit system XXXX Original creditorXXXX XXXX XXXX for {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates have not sent me full disclosures and have reported on my consumer report without properly validating any of the alleged debt. They have failed to properly investigate the accounts. Additionally, I have never given Portfolio Recovery Associates permission to contact me, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. They are refusing to remove the accounts from my consumer report. Can you please investigate Portfolio Recovery methods and unwillingness to abide by the Laws. 


Accounts. PORTFOLIO -- -- XXXX PORTFOLIO RC XXXX PORTFOLIO RC XXXX PORTFOLIO RCXXXX PORTFOLIO RC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: GA

Complaint narrative:
Dear XXXX I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: AZ

Complaint narrative:
Dispute inaccurate items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: ID

Complaint narrative:
I am a consumer by law. My credit report has false and unfair reporting that is damaging my ability to get an apartment for my kids. Of course I am upset about this so I ask that this false information get removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: MD

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 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 2024-05-28 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:
Please eliminate these inquiries. I am not informed about this, and the company did it without my permission.

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 2024-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app authorized XXXX to take around {$4000.00} out of my account in small increments in the same day XXXX XXXX without my consent or authorization nor did I purchase anything or subscribe to anything on XXXX XXXX at all.im losing my belongings in storage because of this and I need my money asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX has failed to validate that this account is reporting with maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts initiated through both the credit bureaus and collection agencies to have this account validated, I have not received a response. I have reason to believe that reasonable procedures were not conducted on these accounts, evidenced by current violations found in relation to my credit profile and the presence of unverified accounts. 

In the event of a dispute, it is imperative to address the following concerns : How can a disputed account be considered resolved if the customer disagrees with the resolution? 

Who resolved the disputed account, and were reasonable procedures performed? 
It is a violation of my rights to claim that an account has been resolved if I did not resolve it, especially if it continues to report inaccurately. 
Furthermore, XXXX XXXX XXXX has violated FCRA 623 ( a ) ( b ) by failing to mark this disputed account as disputed. ( Letters attached below demonstrate when the account was initially disputed. )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, Missouri Laws Dear SELFXXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws in XXXX XXXX, Missouri .

It has unequivocally come to my attention that SELF/XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX identity theft and fraud statutes further underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SELFXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SELF/SSTATBK immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri laws . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SELF/XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I changed insurance providers on XXXX for all XXXX of my policies i.e. auto, home, & umbrella. My accts were all in good standing. My policies were set up on auto draft and I never had any issues. I received a text from a collections agency in XX/XX/year> stating that I owed XXXX a balance. I called them and explained that I changed providers and they asked me to provide copies of my declaration pages. Copies of all XXXX declaration pages were uploaded on their portal. On XXXX I received another text from a collection agency. I called them and the representative told me that I no longer owe on my home & umbrella policies, and that XXXX did an adjustment and I still owe on my auto. However, the rep was unable to explain how or why I still owe on the auto and not the other policies after I submitted copies of my declaration pages. It didn't make sense. So she suggested that I call XXXX. I called XXXX at XXXX and explained my reason for calling and the rep told me to send a copy of my auto declaration page to email address, XXXX, to show proof that I changed providers and had coverage before my payment due date on the XXXX. After sending my auto declaration pages, I followed up with a call to XXXX and was told that they were unable to update their system showing that I changed providers due to systematic reasons. So by not updating their system, it falsely appears as if I owe them for 1 month of coverage ( XXXX ), when I was covered by XXXX XXXX insurance as of XXXX per my declaration pages. So XXXX is falsely reporting that I owe them. They are trying to make me pay for double coverage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Unauthorized Loan and Account Opened in My Name Hello, My name is XXXX XXXX, and I recently discovered that a loan has been opened in my name without my knowledge. This unauthorized activity has also appeared on my credit report. I urgently need to discuss the details used to open this account and report it as fraudulent. Please contact me via email or phone at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite the FCRA 's requirement for accurate reporting, there are discrepancies present on my credit report that do not reflect my true financial standing. 

As a consumer, I have the right to ensure that my credit report is free from errors and reflects my creditworthiness accurately. Inaccurate information can have detrimental effects on my ability to obtain credit and may result in unfair treatment in financial transactions. 

I request a thorough investigation into the inaccuracies on my credit report and prompt correction of any errors. It is imperative to uphold the standards of accuracy and fairness outlined in the FCRA to maintain the integrity of consumer credit reporting.

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 2024-05-28 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax : [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] [ XXXX ] [ XXXX XXXX XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-28 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-05-28 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: GA

Complaint narrative:
I recently reviewed a copy of my credit and found fraudulent accounts and this is hurting my ability to get new credit. I would like you to please remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
( XX/XX/XXXX ) I got a check from my job and i wanted to deposit somewhere else because i felt the deposit would take to long for me to be able to handle my bills after scanning it with my chime XXXX So i called chime to cancel my paper deposit and they went and canceled it. I went somewhere else to deposit my check. 
( XX/XX/XXXX ) A few days go by my chime account has deposited the check i canceled. So i called multiple times to fix my checking account and take it out so i use the money i already had in the account. They told me to call back in a few days they would fix it. I called back they said i was fine to use it and it was theyre fault and apologize. So i ended up paying my other bills. ( XX/XX/XXXX ) XXXX months have gone by which and my account is in a negative XXXX dollars. Which i thought they fixed. I called that day and they told me to cash the check again after i deposited it and cashed it else where. I explained what the last guy told me and he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
The mortgage company reached out to me to let me know I was pre-approved for a mortgage loan. They asked me to pay {$41.00} to pull my credit, required right on the spot. The loan officer reviewed everything and approved me for the loan and asked me to e-sign the documentation. Once this was done he told me that I would be required to pay a {$500.00} fee to lock in the interest rate. I explained to him I never heard of such a thing, typically the rule of thumb is loan approvals are good from XXXX days depending on the loan. He instructed me that it's technically the " underwriting '' fee which all mortgage companies will charge. I told him these fees are typically paid via being added to the loan or in the closing costs. He tried to explain to me that every company does it differently, they just happen to require the payment up front and it will lock in my interest rate for 60 days. I asked him to send me the document with the interest rate via email to assure I had this document for my records, not just displayed in their online portal. I signed off on a locked in interest rate of 6.2 %. The loan officer then transferred me to his colleague who is the loan processor, to collect any additional documents needed for the loan. I submitted all documents as asked ( pay stubs, home owners insurance, etc. The loan processor then asked me to review the loan terms one more time for accuracy and sign it, I noticed the loan rate and percentage was different from the agreed upon rates, in which I paid to have locked in. It was now showing as 6.5 % I asked her to modify it to reflect what I paid for and she stated she couldn't make any loan adjustments it would need to be done by my loan officer. He has been unreachable to rectify this situation and a refund has not been issued for my {$500.00}. 

In addition, I have read reviews online ( unfortunately, after the fact ) and this company has done this to a good amount of people. Please assist.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a physical American Express XXXX XXXX for {$500.00}. I have tried to use it at multiple online stores and it has been declined at all of them. For some of the transactions there has even been a {$0.00} charge to the card even though the transaction was declined. There are sufficient funds on the card to cover the transactions and I entered all the info as directed by the American Express XXXX XXXX site - there is an FAQ on how to use the card at online stores and I followed all the directions. The directions state to enter it as a credit card ( not gift card ) and enter the card number, the expiration date and the security code. If it requires a billing address, the American Express XXXX XXXX XXXX says to enter my name and billing address. I did all of that and they card was still declined. I then called American Express XXXX XXXX customer service and they told me I can not use it at online locations that require a billing address, even though the American Express XXXX XXXX FAQ online said to enter my own info if that is requested. The customer support representative just suggested I use it at a physical location that takes the card, which is not particularly helpful.

Company response to consumer: Closed with explanation