vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The following accounts are reporting incorrect late payments. 

XXXX XXXXXXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX  Credit XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

It also states a consumer report can not furnish as an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as a late for any purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXX XXXX XXXX {$5400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} 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 non-monetary relief
Consumer complaint received 2023-11-28 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$110000.00} XX/XX/XXXXXXXX XXXX XXXX {$960.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$5400.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am submitting this CFPB complaint for the second time to follow up the addressing of specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or have been involved in, regarding the aquiring of goods, money, or services. I am requesting that Transunion and XXXX credit bureaus will remove and block these specific remaining inquiries as a result of the alleged identity theft. TRANSUNION : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attached to this complaint you will see my FTC Identity Theft complaint report in relation to these fraudluent inquiries, Names and Addresses. The following address is in error 1. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX. The following name is also in error 1. XXXX XXXX XXXX. With the amount of identity theft going on around these Holiday times, I am afraid that someone can misuse my identity once again. Please I urge you to remove these names, addresses, and fraudulent accounts at once. Once more I am not familiar with these fraudlulent inquiries, also have reservations about the accuracy of the information provided in some of them. It should definitely be noted that certain inquiries have already been deleted by other bureaus like XXXX, raising concerns about their reporting history in accordance with FCRA section 605B. I would like to thank the CFPB for assisting me in the matters in this complaint to assure that my rights are not being violated as a consumer. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX SSN : 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 2023-11-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Transunion : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NE

Complaint narrative:
I sent my cousin XXXX XXXX ( $ XXXX ) {$50.00} thru cash app. XXXX who is XXXX had setup a new cash app account because her phone was broken, she didn't know how to retrieve the funds. She doesn't have the ability to comprehend how. I contacted cash app and explained it to them. They refused to refund my money. I was told that XXXX would have to call. I was on the line with XXXX trying to help her follow the instructions on getting the money. They told her that I couldn't be on the line. She called them back 3 times and could not get the money. She then told me to call back and speak for her and that she would be silent on the line. They started to help then for some reason, they said that they couldn't help or tell me why. As of today they still have not refunded my money nor did they give it to XXXX. This was a loan to XXXX 's she never paid me back because she never got the funds, nor did they refund me. This happened on XXXX XXXX. Today I sent my daughter {$82.00} she asked me for a few days ago, she declined it because she no longer needed it, yet cash app has not refunded my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
They neglected to make a mortgage payment when the full amount of funds were in the account. They charged false late fees x XXXX. They also reported this as a more than 30 days late payment. All evidence is in a XXXX document that I will upload.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The company CREDIT ACCEPTANCE CORPORP CREDIT DISPUTE DEPT XXXX, MI XXXX started in XXXX they stated we were late on payment well they actually changed due dates to make us show late twice. I tried to correct in XXXX when made aware of the issue. They said it is what it is. I had the issue again in XXXX I then decided to change lenders. The practices of Credit acceptance corp are not good or moral. I have had several attempts with credit companies to have false information removed. I noticed they had a suit filed for illegal practices with XXXX which is where we obtained the vehicle loan. I am just trying to remove false information from my credit reports which has held me back for 6 yrs now. Why is this so hard. Angry and frustrated.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to bring attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/2023 between the hours of XXXX and XXXX my wallet was stolen from my unlocked car in the parking lot of XXXX XXXX XXXX XXXX XXXX RI . Four debit cards from Citizens Bank and three credit cards were stolen. By the time I realized I had been robbed all four of my Citizens accounts were completely drained of every dollar. All four accounts were overdrawn. A merchant by the name of : XXXX XXXX XXXX had continuously charged all four of my accounts until every account was empty. 

Of course, I immediately froze all of my accounts. I went to my local Citizens Branch and one of the managers submitted four official fraudulent cases, one for each of my accounts compromised. 

After ten days Citizens accepted two of the four fraud complaints and returned my money, but they did NOT accept the fraud complaint for the other two accounts. This arbitrary and incorrect decision was made in spite of the fact that the *same fake merchant* robbed all four accounts with very similar dollar denominations. It is so clearly and obviously fraud on all four accounts. 

I submitted a complaint to Citizens and asked them to reopen the unaccepted cases to see that the same fake merchant had wreaked havoc on *all four of my accounts* during the same timeframe.

There is no way that two of the cases are fraud while the other two are not.

It's the same fake merchant in the same time frame draining all four accounts until I had no money left.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-28 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: IL

Complaint narrative:
I am reaching out urgently to highlight a critical issue involving fraudulent personal information and unauthorized inquiries linked to my identity. Upon a careful examination, I've discovered certain accounts and transactions falsely linked to me, without my authorization. This situation has caused me considerable distress and raised significant concerns.

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 2023-11-28 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: TX

Complaint narrative:
XXXX XXXX account no. XXXX  amount {$960.00} remove DEROGATORY remarks placed for collection date assigned XX/XX/XXXX XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$560.00} date assigned XX/XX/XXXX, remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX XXXX account no. XXXX and XXXX amount {$700.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXXXXXX XXXX account no. XXXX and XXXX amount {$340.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX and XXXX amount {$160.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXXXXXX XXXX account noXXXX XXXX amount {$880.00} date assigned XX/XX/XXXX remove derogatory remarks account seriously past due, placed in collection XXXX XXXX XXXX account no. XXXX amount {$13000.00} remove 30 day late payment date closed XX/XX/XXXX XXXX account no. XXXX  amount {$4000.00} open date XX/XX/XXXX, remove 30 days late XXXX XXXX account no. XXXX amount {$1000.00} date XX/XX/XXXX remove late payment remarks XXXX XXXX XXXX account no. XXXX  amount {$850.00}, date opened XX/XX/XXXX, remove late payment remarks XXXX XXXXXXXX XXXX  account no. XXXX  amount {$1000.00}, open date XX/XX/XXXX, remove late payment remarks. 
XXXX XXXX account noXXXX XXXX amount {$890.00} date opened XX/XX/XXXX, remove late payment remarks XXXX XXXX account no. XXXX XXXX {$3000.00} date opened XX/XX/XXXX, remove late payment remarks Credit Inquires, please remove them all from credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights XXXX 

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

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 2023-11-28 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I REQUESTED AN ASSUMPTION! THEY SENT ME AN APPLICATION. I ASKED TO SPEAK WITH SOMEONE AT THE COMPANY AND I HAVE GOTTEN A RUN AROUND FROM THE CALL CENTER. I HAVE COURT ORDER TOO RELEASE THE EX WIFE OFF OF THE LOAN. SHE ABANDONED THE PROPERTY IN XXXX AND THE DIVORCE WAS FINAL IN XXXX. WE TRIED A ASSUMPTION XXXX AND AGAIN THERE IS NO PERSON OF CONTACT. SO THIS PROCESS FAILED. THIS IS THE SECOND TIME WE ARE TRYING AND IT IS COURT ORDERED. WHY CAN YOU NOT SPEAK TO A LOAN OFFICER OR SOMEONE IN CHARGE OF THE LOAN? THE MAILING OF DOCUMENTS BACK AND FORTH IS USING UP VALUABLE TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: MI

Complaint narrative:
Myloancare.com has been affected by a cyber security issue and has not been running for a month. Everyones loan is going to be late/ extended because they are refusing payments and advised not to mail checks. No official words sent by company on how they are going to handle late fees/credit bureas etc. Please help us. We shouldnt be punished because of theyre refusal to acccept payments.

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 2023-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the second time truist has gave an address for us to send a check via mail and however this check keeps getting lost per previous complaint we sent in a check to address. Truist has provided us and they could never locate the check We then later put a stop on that check and sent another to a XXXX XXXX XXXX Truist corresponded via mail that we send it directly to. There is now a check of $ XXXX that Truist has once again lost. I have proof that this check was overnighted to the address that was provided to me every time I call to verify if the check has been delivered, they mainly telling me no we haven't. We still have a outstanding balance and is not trying to help locate the check. I have documentation proving that the check was delivered and signed off at the address. Truist provided us with the address ( truist bank XXXX XXXX XXXX XXXX Md XXXX ) and once again can not find the check. We could of been had our mortgage caught up every since XXXX of this year but they are placing more stress on us and added more fees for something that is not our fault.

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 2023-11-28 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: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: IL

Complaint narrative:
I am writing to bring attention on these accounts which are erroneously being reported as late payments on my credit report, despite the fact that I have consistently been a responsible and long-standing customer with a history of on-time payments.

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