vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations.

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages.

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I was looking at my credit report recently and noticed Gap reporting a late payment to my credit report. This information has been damaging to my file. According to 15 USC 1666b late payments are not to be reported. I'm hoping my attached letter to Barclays/Gap initiates an immediate response and resolve

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 2024-06-03 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:
Equifax, XXXX and XXXX are reporting these three items on my report as accurate. I dont know or have any knowledge of who these creditors are and want them deleted immediately. Attached is my police report and items showing these original creditors that I have no knowledge of and want deleted immediately. Police report number # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
So last year I received a notice in the mail stating my information was compromised in a data breach.. I didnt think anything of it well fast forward to now I have 3 affirm accounts on my credit report that I did not open and Ive tried numerous times to get this issue resolved.. being that the person had all of my info the company is stating that its valid Ive worked really hard to get my credit where it is and this data breach has been a nightmare Ive sent police report and identity theft reports to the company and they are still choosing to ignore my request. Ive taken the proper steps to put fraud alerts on my credit report and I am now requesting you all to remove this fraudulent accounts off my credit report as the other 2 bureau 's have

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 2024-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
They reached out by phone I requested information that I owed the debt as this debt is not mines. 
Nothing was provided and the request was made in XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-06-03 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: LA

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-03 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX: Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX: Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : DEPTEDXX/XX/XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XX/XX/XXXX: Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX Account Name : XX/XX/XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit reportXX/XX/XXXX15 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 non-monetary relief
Consumer complaint received 2024-06-03 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
This person found me on a dating site in XXXX of XXXX and faked his identity. His name is either XXXX XXXX or XXXX XXXX, XXXX XXXX XXXX, from XXXX, XXXX but said he was a XXXX male, XXXX XXXX XXXX from XXXX, TX. He also sent me many fake photos and even a fake photo of his " sick '' daughter. We became close over many months and he started asking me for money for " job related needs '' as well as money for his " sick daughter ''. He took advantage of my kindness and played off my empathy. I sent him money in the form of gift cards and XXXX. The whole time he was giving me promises that he would pay me back. He used me, manipulated me, and abused me mentally, financially and emotionally. Everything out of his mouth was a lie from the beginning. 

Please refer to the attached letter for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX According to 15 U.S. Code 1681c-2 and the FCRA 605B, all of this information must be blocked immediately from the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been well past that timeframe and you are in violation of these laws because I am a victim of identity theft. Please delete these items immediately until the investigation is completed as they are in violation.

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach along with identity theft. All of this is being investigated by the FTC. These accounts should not be furnished on my consumer credit report because they are in violation. Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report ANYTHING on my consumer report which directly violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Loan has been in dispute since it's discovery on XX/XX/year> because of fraudulent practices of XXXX XXXX XXXX XXXX. BMO Bank was notified of numerous consumer complaints by phone from consumer and requested the loan be put on hold until investigation was concluded and funds returned by XXXX XXXX XXXX XXXX. According to consumers last credit report, dated XX/XX/year>, the loan has increased in the amount of 2 full 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 non-monetary relief
Consumer complaint received 2024-06-03 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: TX

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 2024-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX ally financial calls repeatedly. 

XXXX i was in a car accident that left my car a total loss XXXX insurance company paid what i owed to ally financial XXXX Ally.com/auto website post i only owe {$11.00}

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 2024-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I have a couple issues with this company. We were with XXXX XXXX for many years and when we were down to our last payment we were sold to Mr. Cooper XX/XX/XXXX. I sent check number XXXX in the amount of {$1100.00} on XX/XX/XXXX to payoff my mortgage. I noticed that the check didn't clear so I called Mr. Cooper and they claimed they never received my check and my payoff amount would be {$20.00} more. I sent them check number XXXX in the amount of {$20.00} and that check cleared my bank but check number XXXX never cleared. I called Mr. Cooper on XX/XX/XXXX and was told my payoff amount would now be {$4500.00}. I discovered that they were including my real estate taxes in that amount. My check number XXXX cleared XXXX XX/XX/XXXX, they had the check the whole time. I found out that they paid my real estate taxes unnecessarily. XXXX XXXX paid them on XX/XX/XXXX and Mr. Cooper paid them on XX/XX/XXXX so in order for me to payoff my mortgage I had to pay Mr. Cooper for their mistake and I wire transferred the payoff amount to them on XX/XX/XXXX and we received a paid in full letter from Mr. Cooper. In XXXX XXXX XXXX XXXX sent a check to Corelogic, a tax agency that works with Mr. Cooper for my real estate taxes that XXXX over paid but as of XX/XX/XXXX they never cashed the check so they are holding my money. I paid that so that amount is due to me. My second issue is that on XX/XX/XXXX I received an email from the 2 credit agencies that monitor out accounts and said that our credit rating dropped XXXX points because Mr. Cooper claimed that we did not pay our XXXX payment. I did pay it but they held the check. Because we were new to Mr. Cooper they gave us 60 days to make a payment. I called Mr. Cooper on XX/XX/XXXX to get them to straighten this out since AGAIN it was their error. I have never had my credit rating drop. I have not heard from Mr. Cooper or our credit agencies that anything has been corrected. I tried to call Mr. Cooper but since my loan is paid the only give me 3 options and since none of the options fit my complaint the computer hangs up on me. I am tired of dealing with this company. They owe me {$3400.00} and they need to correct my credit rating. Mr. Cooper has made a nightmare out of what should be a wonderful time for my husband and I paying off our mortgage. They should be shut down, they are completely incompetent. I apologize if this sounds like ranting but I have been dealing with this company for 6 months. I wait to hear from you. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/2024, I purchased a dress from the website XXXX using my Cash App debit card ( CashApp ) for {$53.00}. After several weeks of waiting and numerous attempts to contact the vendor, I realized I had been scammed. 

I promptly initiated a chargeback request through Cash Apps support feature within the app. After a week without a response, I contacted Cash App support directly to file a dispute, which was officially opened on XX/XX/2024. 

As more weeks passed without an update, I reached out again on XX/XX/2024, to inquire about the status of my claim. Cash App support informed me that I would need to wait up to 45 days for a resolution. I requested a provisional credit during this period, as outlined on Cash Apps official website, but no such credit was provided. 

Nearly 10 days later, I received an email stating my dispute was denied on the grounds that no error had occurred, despite the clear evidence I provided showing I had been scammed. Since then, I have repeatedly contacted Cash App via email and phone, requesting documentation on their decision process and urging them to reopen the case, as it was evident that my claim was not thoroughly investigated. 

Cash Apps refusal to fully investigate and resolve my claim has left me without the product and out {$53.00}. As a result, I am deeply dissatisfied and feel unprotected as a customer of Cash App. I urge the CFPB to intervene in this matter to ensure proper resolution and prevent similar issues for other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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