vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: 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. 
Creditor name : XXXX XXXX XXXX ; Account name : XXXX XXXX ; and Account name : XXXX XXXX XXXX all have violated my rights. 

15 U.S.C. 1681 A. States I have a right to privacy.

15 U.S.C. 1681 A Section 2 : It also states a consumer reporting agency can not furnish any accounts without my written instruction.

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 and any other adverse item of information, other than records of conviction of crimes which antedates the report by more then seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I receivedmultiple phone calls and texts from sunrise credit services demanding payment XXXX for a debt that was paid last XXXX. I have bank records of payment as well as settlement letter. I told them to stop calling and if they put this back on my credit reports I will sue. This company needs to be investigated. How is it leagal to settle a debt with a customer then try to collect again months later. That's double jeopardy

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

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 2024-04-17 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:
On XX/XX/XXXXXXXX  the XXXX  major credit bureau received my Identity Theft notice sent for the following hard inquiries reporting on my report as on XX/XX/XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX of the major credit bureaus blocked and deleted the inquiries as required pursuant FCRA 605B. However, Equifax denied my request despite the applicable laws. I called Equifax XX/XX/XXXX in regards to why my Identity Theft notice was rejected and why the inquires were not blocked within 4 days which is required by law, despite having included my Identity Theft Report, the specific name and date of inquiries resulted from Identity Theft, proof of my identity, and a summary of FCRA 605B enclosed with my correspondence. After speaking with the supervisor and receiving no valid explanation as to why my notice was rejected, I was disconnected from the call XXXX I included the XXXX call audio, along with all written correspondence and supporting documents in the attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received a notice from my " XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NEW YORK '', that my property Taxes remained UNPAID, Lein {$3000.00} for XXXX and Unpaid taxes for XXXX {$6900.00} for XXXX ) On XXXX Called Specialized Loan Serving Mortgage Co XXXX # XXXX.regarding the unpaid taxes and they instructed me to go to : Website : XXXX. On XXXX documents uploaded, per their request. I continued calling them everyday, whereas they advised they were investigating why my TAXES weren't paid and by XXXX they would have their investigation compeleted, and to CALL them on XX/XX/XXXX. On XX/XX/XXXX they advised XXXX checks mailed on XX/XX/XXXX ( {$3300.00} Check # XXXX and {$6300.00} Check # XXXX, along with a Separate check to cover the for Penaties ) was already mailed XXXX XXXX XXXX MAIL Tracking # XXXX, but they were lying. The Tracking showed that they only CREATED a LABEL, but to date they haven't mailed out these checks to pay my past due TAXES. My house is going to be SOLD for unpaid taxes by XXXX XXXXXXXX on XX/XX/XXXX. To date NO CHECKS have been MAILED OUT to date.XXXX XXXX has NOT received any checks. When I paying my Mortgage {$1000.00} per month goes to pay my TAXES & Homeowner Insurance, To date my TAXES still NOT PAID and My house will be SOLD due to UNPAID TAXES by the Village on XX/XX/XXXX. CFPB referred me to LEGAL AID, which I called and they advised they will CALL me back within XXXX are in BRENCH of my Contract. PLEASE HELP resolve this unpaid TAXES which I pay, when paying my mortgage totaling {$2000.00} per month, which {$10000.00} is for TAXES & Homeowner Ins ) Sincerely yours 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 2024-04-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TO EQUIFAX CREDIT REPORTING AGENCY XXXX XXXX XXXX, XXXX, GA XXXX I am writing to dispute the hard inquiries listed below, which appear on my credit report : - Inquiry XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiry XXXX : XXXX XXXX XXXX  : XX/XX/XXXX - Inquiry XXXX : XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX - Inquiry XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX I did not authorize these inquiries, and they are inaccurate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to dispute and have these inaccurate inquiries removed from my credit report.

Furthermore, under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for employment purposes with the consumer 's consent. I did not provide consent for these inquiries, and they were not made for employment purposes. 

I request that you : XXXX. Immediately remove the disputed hard inquiries from my credit report. 
XXXX. Provide written verification of the removal. 
XXXX. Provide a copy of my updated credit report. 

Please respond to this dispute within 30 days, as required by 15 U.S.C. 1681i ( a ). Failure to do so will result in legal action to protect my rights under the FCRA.

Additionally, I request that you provide the name, address, and phone number of the furnisher of the disputed information, as required by 15 U.S.C. 1681j ( a ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash App has been dishonest with their business practices. They got refunded from a vendor and they claimed they sent back XXXX dollars to my debit card. 

They have not sent money back to debit card like they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: CT

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. 

XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXX, XXXX XXXX : Acct XXXX XXXX, XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 consent 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. 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 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
In XXXX, 2024, my cellphone was hacked. The hackers got into almost all of my accounts. They changed information in my XXXX account, my email, several of my apps, and I have not been able to recover those accounts. You can try to access my XXXX account and you will see that it is now all in XXXX. I am American and XXXX XXXX XXXX XXXX  or understand XXXX. I have kept a very close eye on my Chase banking accounts, as I have and use the mobile app on the device which was hacked. My Chase account seemed unaffected until XX/XX/year>. I vigilantly checked multiple times a day to ensure there was no fraudulent activity. On XX/XX/year>, I saw an unauthorized payment to someone I do not know, and someone that my bank records prove that I have never sent to before. This amount was for {$500.00}. The recipient was " XXXX '', and someone I do not know. I immediately called Chase Bank and filed a fraud complaint and requested an investigation. As of XX/XX/XXXX, I had no yet heard from Chase, so I called to inquire. I was told that it was too soon. I called again on XX/XX/XXXX, and was told that this transaction was found to be " authorized! '' I assure you, it was not. I am a XXXX XXXX XXXX widow and a 100 % XXXX veteran. I can not afford to lose {$500.00} from my budget. On XXXX, a Chase representative told me to call XXXX to try and recoup my money. I did, and XXXX said that because the transaction occurred on an electronic device and on a bank 's mobile app, that they could in no way assist me. I have waited to receive some sort of official documentation as to the fraud findings from Chase, but to date, have not. Today, XX/XX/year>, I called Chase again and requested that my case be looked at again. The rep stated that they would not. I asked why, and he stated that the transaction in question, on XX/XX/XXXX, had been done by using my facial recognition verification. This is not true, as I did not authorize the transaction to the unknown recipient. When I asked how do they know that a hacker can not also access in bypassing the facial recognition, or making it appear as if I DID verify that way, they could not answer me. If they can get into our devices by hacking, I'm sure they have the ability to get passed verification systems. I asked what other options I have, and the Chase rep stated to make a police report. Aside from being a veteran, I am also XXXX XXXX XXXX  and am very aware that there is literally nothing that can be done with fraudulent cyber crime. I am a very longtime patron of Chase Bank, and I am discouraged that they will not even try to help me recover these funds. If you could please help, in some way, I would be very appreciate and grateful. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: DigniFi
State: AL

Complaint narrative:
AS A RESULT FROM IDENITY THEFT FROM XXXX XXXX. XXXX XXXX XXXXXXXX IS REPORTING 3 ACCOUNTS ACCROSS ALL THEREE CREDIT BUREAS. I SENT THEM THE FRAUD AFFIDAVIT. ON THE LATEST UPDATE THEY REPORTED ON THESE ACCOUNTS ACCROSS ALL THREE CREDIT REPORTS THAT MY LAST PAYMENT WAS ON XX/XX/2024. I NEVER MADE A PAYMENT ON THESE ACCOUNTS NOT MINES. WHICH THEY ARE DOING ON PURPOSE TO LOWER MY CREDIT SCORES. I HAVE NEVER PAID ON THESE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-04-17 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

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 2024-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX  reporting on my credit report I have been disputing this account since XX/XX/XXXX which first appeared on my credit report as a STUDENT loan with FIRSTMARK. After disputing XXXX changed the information to XXXXXXXX XXXX which is a collection agency. 

I never signed any contract or applied for any loan with XXXXXXXX XXXX 

Since then they have change and reage the account for example : Reporting inaccurately reporting a closed account with XXXX with a date of deliquency of XX/XX/XXXX The showing and reporting date opened as XX/XX/XXXX QUESTION ; How can a deliquency occured before the account was opened? 

they reage and changed the date to allow the account on my report for 10 years The collection amount was changed XXXX times I never did business with XXXX Reageing an account is a violation of the FCRA I NEVER HAVE ANY ACCOUNT WITH XXXX DATE OF DELIQUENCY : XX/XX/XXXX DATE OPENED : XX/XX/XXXX look at the dates : account deliquent before it was opened???????? 

After pointing out these inaccuracies and reageing of this account with XXXX and XXXX the immediately removed it from my credit file. 
XXXX keep changing the account everytime we point out inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Ive previously disputed this debt, it was removed and added again. Ive also provided all the required relevant documentation numerous times. I have included the initial complaint, in which Columbia Debt Recovery admitted to the negligence of the fraudulent reporting, and that it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: LA

Complaint narrative:
According to federal law, specifically, Title 15 of the United States Code, it is a requirement that this information be removed from my reports. Reporting this information appears to be a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and if these accounts are not removed and personal information is not updated within 30 days, you will be liable for 30 days.

Per 15 U.S. Code 1666b, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

By the provisions of the FCRA, I am demanding the removal of these accounts and that if you fail to remove these remarks and accounts you respond with federal and constitutional measures that allow you to violate the privacy of my Estate, named XXXX XXXX XXXX XXXX. 

Please remove all information as you will not be able to verify since I did not supply you with written consent to report these accounts. Failure to remove the following also subjects you to liability

Company response to consumer: Closed with non-monetary relief