vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I looked at my report on XX/XX/XXXX and I noticed some incomplete and not accurate. XXXX reported that the Bankruptcy XXXX XXXXXXXX on my credit report was accurate but that was a lie the Bankruptcy Court name is inaccurate they have it listed as U.S Bankruptcy Court without the city and state so this will be inaccurate information. I sent a letter to XXXX on XX/XX/XXXX, and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking Federal law. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report. Whenever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: OH

Complaint narrative:
Hello I pulled my credit report again on XX/XX/XXXX and I still have numerus number of unauthorized inquires on my report. 



Please remove these unauthorized accounts 1. 
The following Unauthorized Inquiry was made by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and this inquiry is inaccurate Please Delete this Inquiry 2. 
The following Unauthorized Inquiry was made by XXXX XXXX on XXXX XXXX. XXXX and this inquiry is inaccurate Please Delete this Inquiry 3. 
The following Unauthorized Inquiry was made by XXXX XXXX XXXX XXXXXXXX on XXXX XXXX, XXXX and this inquiry is inaccurate Please Delete this Inquiry 4. 
The following Unauthorized Inquiry was made by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and this inquiry is inaccurate Please Delete this Inquiry 5. 
The following Unauthorized Inquiry was made by XXXX on XX/XX/XXXX and this inquiry is inaccurate Please Delete this Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed 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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
XXXX. On XX/XX/XXXX my husband of over 20 years tragically took his own life. He was the sole income provider for myself and our children. 
XXXX. I subsequently paid {$170000.00} to Santander, which was applied to the subject loan. 
XXXX. Around mid-XXXX XXXX, I attempted to have automatic monthly mortgage payments withdrawn from my account by Santander. At the time, these monthly payments were {$95.00}. I provided bank account and routing numbers, and the individual assured me that automatic payments had been set up. 
XXXX. I subsequently discovered that the automatic payments were not in effect. 
XXXX. I do not have representation in this Foreclosure case, and on multiple occasions, I contacted Santander in an effort to resolve any existing default but they refused to speak to me. These calls occurred throughout the fall of XXXX. 
XXXX. On XX/XX/XXXX, Santander 's council filed an affidavit of compliance with EMAP ( Emergency Mortgage Assistance Program ) which incorrectly states that the borrowers are deceased. I am the borrower referred to in Paragraph XXXX of Santander 's Complaint, I reside at the property. Therefore, EMAP is applicable to this case. 
XXXX. The subject real property has a value in excess of {$400000.00} and Santander 's debt is less than 10 % of the property 's value. 
XXXX. The last mortgage statement provided by Santander says the minimum payment due is {$18000.00} which includes {$14000.00} in " Fees Due ''. The amount of the fees claimed in the mortgage statement greatly exceeds the amount of fees claimed in Santander 's Affidavit of Debt filed on JXX/XX/XXXX. 
XXXX. In XX/XX/XXXX I called Santander to discuss the minimum payment of {$18000.00}. Santander refused to speak to me on the matter. 
XXXX. My XXXX children reside in my home. 
XXXX. I wish to participate in loss mitigation with Santander to resolve this matter but have been unable to do so, as Santander refuses to speak with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Flew with XXXX XXXX XXXXXXXX XXXX XXXX on XXXX from XXXX XXXX XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX Agreed and paid advertised total charge online with Citibank Costco credit card visa ending in # XXXX an amount of {$1300.00} XXXX. At airport was compelled to pay additional charge in cash for two suit cases by XXXX XXXX agent {$120.00} XXXX or will not issue boarding cards. During flight had no TV/internet on both seats as advertised & could not move to other seats since plane was full - incident was reported to flight attendant sup. who alerted XXXX maintenance operation via Email. On arrival at XXXX XXXX, found one of the suit cases has been broken/vandalized by XXXX baggage handlers & personal belongings thrown all over conveyor belt. Reported incident to XXXX luggage handling supervisor who assured us to convey message to XXXX authorities. Subsequent to flight, received Citibank visa credit card with additional overcharges by XXXX of {$130.00} on statement for same subject flight. Was compelled to open XXXX claim online for this incident case # XXXX & case # XXXX who through numerous Emails used contradicting excuses for not paying anything on said claims and lying about it by providing different bogus reasons. 
Subsequently, when reporting the issue to Citibank Visa XXXX XXXX XXXX. sup. XXXX XXXX ID # XXXX Arizona office Citi ID # XXXX XXXX XXXX & ID # XXXX XXXX XXXX and the Office of the President at XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Citibank agreed to reverse the charges. However, when they heard from XXXX that we actually did fly with XXXX, they re-reversed all charges and put them back on my statement including interest & penalties.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
Around XXXX XXXX I took out a loan with affirm to pay for a XXXX purchase and it totaled XXXX which this includes XXXX apr. I was paying off the loan paying XXXX per month. On or about XXXX XXXX I returned my item back to XXXX. At that time I already made a few payments which my balance was at {$490.00}. on XXXX XXXX XXXX sent me an email saying they have refunded me {$1000.00}. I also received an email from affirm XXXX XXXX saying my account was credited XXXX and I now owe {$0.00}. When I log into my affirm account I did not see the credit or that I had a {$0.00} balance so I contacted them on XXXX XXXX and spoke with XXXX and I was told to check my bank account but when I did I was not sent the entire amount that XXXX refunded me to total the {$1000.00}. In my account ending in XXXX I was credited {$370.00} and my account ending in XXXX I was credited {$140.00} with both of those accounts together only total {$520.00} which leaves XXXX unaccounted for and affirm is now saying I still owe them. They took the remaining of my money and is not reporting it and trying to make me pay them twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: SECURITY FINANCE CORP
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX Security finance XXXX XXXXXXXX XXXX XXXX balance is XXXX incorrect information. XXXX XXXX has a XXXX balance but incorrect information. XXXX XXXXXXXX XXXX balance with incorrect informationXXXX XXXX XXXX XXXXXXXX have no ideal about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  balance is XXXX incorrect information. XXXX XXXXl has a XXXX balance but incorrect information. XXXX XXXX XXXX balance with incorrect information. Portfolio recovery XXXX have no ideal about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party. This account has many inaccuracies including ; original balances not matching, credit limit not matching, there is NO account number listed, there is NO account type listed, past due amount does not match on any of the credit bureaus. I want this account removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party. This account has many inaccuracies including ; original balances not matching, credit limit not matching, there is NO account number listed, there is NO account type listed, past due amount does not match on any of the credit bureaus. I want this account removed 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 explanation
Consumer complaint received 2024-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to XXXX parties you are damaging my reputation and credit worthiness Under the FCRA XXXX XXXX. XXXX, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I sent two {$180.00} payments to XXXX XXXX, user name $ XXXX, phone # XXXX, email address : XXXX, through CashApp for tickets to the XXXX XXXX concert XX/XX/2024. ( I thought I had done my best to vet out the seller, XXXX, after speaking with him on the phone, via XXXX and email ) Tickets were sent and were very convincing fakes ) I was sent false tickets that were denied at the door. I have tried reaching out to XXXX multiple times with no response. My bank was notified on XX/XX/XXXX immediately after finding out the tickets were fake. My bank said I needed to work with CashApp to get a refund. 
I have followed XXXX procedures to get a refund and XXXX is not responding to those either. I have reached out to XXXX customer service and they said to just keep trying to get him to refund me, that there was nothing they could do and that I just shouldn't have sent the money. I asked to speak with a manager higher up the chain of command and was told none were available and they would only contact me via email. I am still waiting for a managers email. 
Upon researching further the useXXXX XXXX XXXX  is a serial scammer on CashApp. I am not the first person who fell for his scam and yet CashApp continues to support him receiving money. They are a company who are openly supporting criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: MS

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: UT

Complaint narrative:
On XX/XX/2024, I notified the agency that I am a victim of identity theft via certified mail. The agency continues to report information from the identity theft. According to Section 605B of the FCRA, consumer reporting agencies are mandated to inform furnishers of information, including financial institutions, that the information may be a result of identity theft, upon receipt of an identity theft report. I have provided them with my FTC report numbers XXXX and XXXX, along with the requested documentation. 
Section 623 ( a ) ( 6 ) of the FCRA necessitates furnishers to block reported information in the consumer 's file, identified as resulting from identity theft, within four business days of receiving appropriate proof of identity, an identity theft report, identification of the information by the consumer, and a statement asserting the information 's non-involvement in any consumer transactions. All requisite documentation was provided by me. 

The agency failed to fulfill its obligation under FCRA 15 U.S. Code 1681c2 to block the reported information within the required timeframe, constituting a violation of law. As a result, the agency is civilly liable to me for willful noncompliance, and I am entitled to actual damages as per 15 U.S. Code 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
i have only received correspondence through phone, i had to call them to find out the name of the company and they call me all hours of the day, they do not state their business and call me just to hang up on me. they are extremely unprofessional and want me to give out personal information over the phone. how do i know that someone is not trying to scam me. this is harassment. I dont know what they want and they wont stay on the phone long enough to see what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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 respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
Started with Freedom Debt Relief end of XX/XX/2023. I've paid in 5 deposits of {$330.00} each. They've only negotiated with 1 company, XXXX XXXX. I then find the outrageous amount for " fees '' which I find out is going to them. They skirted around what those large amounts were for but in the end, found out that's their fees for negotiating with just 1 company .... Also, at the beginning they had me authorize a settlement for a medical bill of {$1500.00} and said they got it down to {$800.00} but now it doesn't show they've paid anything toward that settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit System sent me an email on XXXX stating that I owe them {$9800.00} for XXXX XXXXXXXX XXXX 

I have responded back to them saying " I have emailed this company before on XX/XX/XXXX with my police report, drivers license, and mortgage bill. Again, I am a victim of an identity theft. Please confirm that you have received this email and that this case will be closed ''. 

I received a second email from them on XXXX stating " Be advised that National Credit Systems , Inc. has been authorized by its client, XXXX XXXX XXXX, to extend a special offering to resolve the above referenced account at a fraction of the balance owed. You may satisfy your account in full for **40.00 % ** of the balance. This proposal is valid as of the time of receipt of this letter until XX/XX/XXXX, and we are not obligated to renew this offering ''. 

I responded back saying " I have already sent you my police report and said I'm a victim of identity theft. I'm including my lawyer XXXX in this email. Please have this case closed immediately. Please confirm that you received this email. 

National Credit System did not respond back to my email and reported negative collection with all 3 credit bureaus My lawyer has sent them 2 letters on XX/XX/XXXX and XX/XX/XXXX attaching my police report and Federal trade commission report. They did not respond to my lawyer. I have disputed this with all 3 credit bureaus, but National Credit System Verified it belong to me, even though my lawyer and I had reached out to them and said I'm a victim of identity theft.

Company response to consumer: Closed with explanation