vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
False Late payments reported

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 2024-03-12 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: MD

Complaint narrative:
False Late payments reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: MD

Complaint narrative:
False Late payments reported

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: CA

Complaint narrative:
Hello, I received a text message from Unifin regarding a debt collection. Im unaware of any debt and I never received a letter and have no idea what this is in regard to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/2024 I lost my CashApp card was lost at a concert. Someone spent {$230.00}, in various places, while I was at the concert. I disputed this with CashApp and was denied. Their reason for denial was that I had made the transaction or authorized someone else to. This is not true. On XX/XX/XXXX I reported my card stolen and waited for all of my things to clear so I could dispute. I think it's terrible a company can make a call like this. They told me to contact my bank, but my bank had nothing to do with this. My CashApp balance was used. Terrible customer service or recourse action for a loyal customer. They also gave me someone else 's cash app transactions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo Bank, NA on a recorded line agrees that they made an error on 1099 form and refuse to correct it. They told me to see a tax advisor on XX/XX/24. Please see previous complaint XXXX. Wells Fargo made the error, agree they made the error and refuse to correct it. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently obtained copies of my credit reports from XXXX, XXXX, and Transunion, and upon review, I discovered inaccuracies in XXXX of the accounts listed : The account in question, labeled as " XXXX XXXX XXXX '' with Account Number : XXXX, appears to be in violation of 15 U.S.C. 1681i ( 7 ) regarding the method of verification. It was reported without valid evidence. Therefore, I request its immediate removal from my credit report.

Your company 's actions appear to be in clear violation of the law, as outlined in 15 USC 1681b, which stipulates that consumer reporting agencies may only furnish consumer reports in accordance with the written instructions of the consumer. I have not provided written instructions for the inclusion of this account on my credit report.

Additionally, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions from a consumer credit report, stating that it does not include reports containing information solely related to transactions or experiences between the consumer and the reporting entity. Since payment history constitutes a transaction between myself and the corporation extending the line of credit, it falls under this exclusion.

Therefore, I demand the deletion of the aforementioned late payments from my consumer report. Failure to respond satisfactorily with the removal of this account, along with the provision of a free copy of my report after the necessary changes, will result in legal action being taken against your company. For each violation, I will seek {$1000.00} in damages for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Violations of the Fair Debt Collections Practices Act 15 USC 1692g Willful noncompliance with the Fair Credit Reporting Act 15 USC 1681, as outlined in 616 regarding civil liability for willful noncompliance [ 15 U.S.C. 1681n ].

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 2024-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I received a call about a debt from a spring oaks debt collector a month ago stating I owed {$970.00} for a XXXX XXXX XXXX in XXXX Texas. I had a loan for {$1000.00} that I opened XX/XX/XXXX & paid it off XX/XX/XXXX. I did not get any other loans after paying that one off. I have asked for proof that this loan was approved & signed by me but have not received any information. I have asked twice from XXXX XXXX XXXX  now springoaks to mail me the documents to support this loan allegation & still have yet to receive anything. Im concerned about foul play at the world finance office I had gone to prior due to their being an employee who certainly was not a fan of mine outside of work. Please help with this. Its effectively hurting my credit. Still.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
we receive a wire that's in question and the bank froze my account. I asked them to return the funds to sender if they consider the transaction is high risk but they refuse to. And they decide to hold the funds instead.

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-12 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: FL

Complaint narrative:
I CONTINUE TO MONITOR MY CREDIT REPORT AND THIS ACCOUNT FROM XXXX XXXX XXXX XXXX KEEPS APPEARING ON MY TRANSUNION CREDIT REPORT IT WAS DELETED OFF MY XXXX AND XXXX CREDIT REPORT AFTER THEY BECAME AWARE OF THIS ERROR AND VIOLATION. THIS ACCOUNT NEEDS TO BE DELETED OFF MY TRANSUNION CREDIT REPORT IMMEDIATELY!

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 2024-03-13 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: IL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-03-12 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:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MS

Complaint narrative:
In Louisiana we have to buy 3 insurances, a wind and hail policy, home insurance and flood insurance. I found an insurance policy from XXXX XXXX  XXXX that provided wind and hail and home insurance for {$3700.00}. The escrow department from Fifth Third Bank got a refund from XXXX XXXX that I cancelled on XX/XX/year>2023 and I provided a refund back to the escrow department and my insurance agent provided the new policy from XXXX XXXX XXXX to the escrow department on XX/XX/scrub> 2023 also. Fifth Third escrow dept rebought XXXX  XXXX XXXX and charged an extra XXXX a month because they didnt discontinue XXXX  XXXX and XXXX Home insurance after repeated attempts to cancel them by two insurance agents and me. As a result, my mortgage payment went from XXXX a month to XXXX a month. I asked the escrow dept if they could take the old charge off and cancel XXXX  XXXX and XXXX Home insurance repeatedly but they didnt. The escrow dept said I had to apply for hardship assistance in order for them to take the old insurance off. The hardship department said I had to apply for a loan modification or deferment. The escrow dept stonewalled me into believing hardship assistance could help. My loan was in forbearance until XX/XX/year>2023. Every time I asked for an update, the loan solution center said it was under review or in forbearance without providing any explanation as to why I didnt qualify for a deferment or loan modification. In XXXX of 2023, with no notice or phone call my loan was put in foreclosure. If I had some kind of notice, I could have paid the arrears off. Now my credit is ruined and I can not pay it off because of high lawyer fees and have no choice but to sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. Stop sending me letters saying you can't do anything about it because it's factual when it is not. My data was leaked because of Equifax.. and you are the worst company to deal with. The least you can do is remove fraudulent inquiries from my report. 

XXXX XXXX, XXXX XXXX - XX/XX/2024 XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the Equifax Data Breach. The following are fraudulent hard inquiries and are not factual and should not remain on my credit report. Stop sending me letters saying you can't do anything about it because it's factual when it is not. My data was leaked because of XXXX and you are the worst company to deal with. The least you can do is remove fraudulent inquiries from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: LEXISNEXIS
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX LAST 4 of SSN : XXXX Account Number XXXX po box XXXX XXXX, OR XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX To whom this may concern, I am writing to file a formal complaint against Caine & Weiner for multiple violations of consumer protection laws listed below : Failure to Provide Validation Information : Caine & Weiner has placed a collection on my consumer report without providing validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). 
Denial of Dispute Rights : I have not been given the chance to dispute the account in question, contravening 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means : Caine & Weiner has engaged in false, misleading, and deceptive practices, violating consumer rights. 
Failure to Provide Required Disclosures : The agency has furnished the account to consumer reporting agencies without providing necessary disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I urge protect consumer rights and thorough investigation and appropriate action to ensure compliance with federal regulations. 

Sincerely, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
I have been having an issue with United Wholesale Mortgage. They are reporting a late for XXXX of 2024. Recently, I had some fraudelent activity with my bank so I had to get a new bank account number, card, etc. I had called United Wholesale because I have multiple accounts with them and was having a hard time changing this online. I advised I had multiple accounts that needed the banking information changed. They said they had it and I went on vacation to XXXX XXXX. When I came back I noticed a late on one of my accounts so I called again and spoke to a nice rep on the phone who advised that the late payment would be removed XX/XX/XXXX. Well that date came and went and the late continues to report. This was not my error, I did my due diligence, and I was told the late would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Wrong address on Experian credit report. Address : XXXX XXXX XXXX XXXX XXXX Georgia XXXX is not an address that I have ever lived in or been associated with. I discovered this was on my report when I was the victim of identity fraud in XXXX of last year with XXXX XXXX. Since then XXXX XXXX has removed the fraudulent credit line from my report but this fraudulent address remains on my credit report. Experian stated I had to file a separate report in order to have this removed as one of my addresses.

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 2024-03-12 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit.

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