vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 explanation
Consumer complaint received 2024-07-24 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:
Identity theft is a crime where someone wrongfully acquires another person 's personal identifying information for fraud or deception for economic gain. 18 U.S.C 1028 is the federal statute used by prosecutors to charge someone with identity theft. I want this issue resolved, and off my credit report ASAP or I will have to take litigation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have been lied to by Goldman Sachs multiple times over the past 3 days. On XX/XX/year>, I paid a charge off which was a required item needed for the home buying process I am in. I reached out to GS and paid in full, I did not settle. I asked for a XXXX balance letter to prove this to my lender and was told I could get it emailed to me once my payment processed. I called back after the payment processed and was told it had to me mailed to me which would take 10 days. When I expressed that this was too long, I was directed to a supervisor who eventually told me they got a case open to get it emailed to me. I called back the next day to follow up, and I was told that the case had not been made and that I would not be getting the email. I expressed my frustration and was assured that a new case was made and that I would be receiving a call " very shortly ''. I waited XXXX hours and called back just to be told that I had been lied to AGAIN and to not expect a callback for up to 10 days as well. I have been dragged through by GS all because they can not get it together and overnight or expedite an incredibly simple request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: Consumer Adjustment Company Incorporated
State: IN

Complaint narrative:
Failed to perform a proper re investagtion to verify payment method, unpaid violation invoices, and increase XXXX points for discrimnation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following 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.

The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) 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. Delete the accounts below : - XXXXXXXX XXXX XXXXXXXX. XX/XX/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 XXXXXX/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 explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I HAD CONTACTED CHIME BECAUSE {$2000.00} DOLLARS WAS SENT FROM MY CHIME TO XXXX XXXX  AND I CANT USE XXXX  XXXX  BECAUSE THEY HAD RED FLAGGED ME BECAUSE SOMEONE TRIED USING MY NAME MYLTIPLE TIMES TO CREATE A XXXX  XXXX BUT ANYWAY I HAD CANCELLED MY CHIME DEBIT CARD AND GOT A NEW DEBIT CARD BUT MY OLD CHIME DEBIT CARD STILL WORKS JUST LIKE MY NEW DEBIT CARD WORKS SO HOW IS IT THAT I HAVE 2 DEBIT CHIME CARDS THAT BOTH WORK WHEN THEY WERE SUPPOSE TO CANCEL THE ONE THAT I REPORTED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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 have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-07-24 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 have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: DE

Complaint narrative:
This dent was an act of fraud. This is the third of fourth company trying to collect a debt that I do not owe. 

This has been removed several times already. This is a fraud case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NC

Complaint narrative:
I am writing to dispute a collection account reported on my consumer report. The account is currently listed by XXXX XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for 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 2024-07-24 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: NC

Complaint narrative:
I am writing to dispute a collection account reported on my consumer report. The account is currently listed by XXXX XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt collectors must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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
Consumer complaint received 2024-07-24 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MO

Complaint narrative:
I just checked my credit report for the first time in 3 years and have had an outstanding balance of {$80.00} with XXXX XXXXXXXX XXXX since 2022. 

I did not receive a bill, to my knowledge, for this amount in the mail, or by e-mail ( the company has both addresses ). As soon as I saw it I paid it off ; all of my other accounts are in good standing. I would like to have the delinquent reporting removed, as I was unaware of this balance, and it is affecting my credit. 

I pad it off with XXXX XXXX XXXXXXXX as soon as I saw on my credit report : confirmation number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mullooly Jeffrey Rooney & Flynn
State: NY

Complaint narrative:
Today XXXX XXXX XXXX from the firm Mullooly, Jeffrey, Rooney & Flynn LLP ( MJRF ) wrote me the following email : " XXXX XXXX, I have answered your repeated emails previously. My office is in the process of responding to your CFPB complaints ; kindly refer to those responses. '' This is a false statement. 

First off, I still have not received any documentation that I have requested, nor have I received direct responses to my questions. 

You see, the issue I have had repeatedly with this firm is they will not answer questions. They also have a history of lying. 

I also have an issue with the fact that they refuse to talk with me or answer emails, phone calls, or other questions. 

I would also like to point out this is the only time I have complained about the false statements made by XXXX XXXX today, XX/XX/XXXX. She has asserted I am trying to " intimidate '' her firm by making duplicate complaints, but that is not the case. 

I am simply filing a complaint every time her firm breaks the law. 

If she would like me to stop making complaints, I would advise her to pick up the phone and talk to me, and work out how I can get the documents I need. 

I would also advise her to answer questions directly. Lying by omission is still lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX. XXXX  around XXXXXXXX XXXX  in the XXXX  my account with Cash App was cashed completely out to a debit card that was linked to my Cash App account called XXXX XXXX XXXX  out of XXXX XXXX Cash App claims that I linked this debit card to my account over 2 years ago. I reached out to XXXX XXXX XXXX  to find out where my money went. They claim that no such transaction occurred and there was no transaction associated with reference number Cash App gave me. I reached out to Cash App several times to investigate and open a case, they open the case for a few days but close it out without telling where my funds were. {$990.00} was taken from me plus instant transfer fee. I need help. I never owed an account with this bank and where is the transfer at?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: NM

Complaint narrative:
I received a debt collection letter from Allied Interstate LLC that stated I owed XXXX XXXX {$370.00} and if I replied by XX/XX/year> they would have to stop collections until they sent that information. On XX/XX/year> I disputed this on their website. I then received a billing statement with the creditor on there. On XX/XX/year> reached out to them on their website stating I wanted a signed contract between myself and XXXX XXXX and I requested proof that Allied Interstate could collect this debt on behalf of XXXX XXXX. They once again just sent me the same billing statement. I never signed a contract with XXXX and I do not owe the money that they have reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
My loan was transferred from XXXX to XXXX XXXX and during the transfer process I was confused as to who to pay when. Due to this I missed 2 payments ( XXXX and XXXX ) and started paying to the new company XX/XX/XXXX. Because of this they marked me 60 days past due and 30 days for the XX/XX/XXXX. They counted XXXX for XXXX and XXXX for XXXX. I am in the process of refinancing my home and due to this showing up this way XXXX cant close on my refinance until this is fixed. I called and was told to email them but they are telling me it can take up to 30 days and I dont have 30 days. I need to get this fixed ASAP so I can close on my refinance to avoid having any further issues with my mortgage or finances.

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 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Hanwha QCells USA Corp
State: CA

Complaint narrative:
I had a loan for solar panels with Enfin Corp ( loan number XXXX ). On XX/XX/2024, I paid off my solar in total. However, on the same day, they incorrectly withdrew an additional payment of {$1200.00}, which has not been refunded. 

Every time I've called, they told me it would take a month to refund. 

Most recently, they've now told me it will now be 2 months. 

It's now XX/XX/XXXX, and I want my money back WITH INTEREST ( my interest rate was 10 %, so this should be the same ). 

If the situation were reversed, I'd be paying interest and late fees!! 

This money could have been paying off other debt or invested. It is ridiculous that it was debited incorrectly on their part and they aren't fast to resolve it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I contact multiple companies from two years ago, who ran my credit report Without my authorizations with left me with inquiries on my credit report that I did not authorize

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 2024-07-24 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: OneMain Finance Corporation
State: NY

Complaint narrative:
I contact multiple companies from XXXX years ago, who ran my credit report Without my authorizations with left me with inquiries on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On or about XX/XX/year>, I submitted a complaint to the CFPB portal ( complaint # XXXX ) regarding the following accounts : XXXX  - Account # : XXXX XXXX XXXX - Account # : XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX  - Account # : XXXX and on or about XX/XX/year>, TransUnion responded back to me on the CFPB Portal that these accounts were verified, which is more than XXXX  days after the initial dispute submission, additionally failed to provide the results with XXXX  days of the reinvestigation

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 2024-07-24 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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