vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: GA

Complaint narrative:
I have been disputing with Experian Credit Bureau since XXXX regarding account XXXX XXXX. This account was deleted twice for inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumer 's credit report, I am entitled to be notified within five business days of the reinsertion. I have not received such notification, and I believe that this item has been reinserted improperly. 
This account has been reporting as a charge-off since XX/XX/XXXX. I have not received a 1099C from the company or the IRS stating that my account has been filed as a charge-off since XX/XX/XXXX. This account is also reporting a charge-off in XX/XX/XXXX and XX/XX/XXXX, showing a repossession in XX/XX/XXXX and XX/XX/XXXX. This is very inaccurate and misleading information. 
This account is reporting the first delinquency occurred in XX/XX/XXXX and the last payment was made in XX/XX/XXXX Which both of these statements are inaccurate information.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information. Repeatedly reporting the same repossession and Charge off as new violates has lead to a distortion of my creditworthiness.

Additionally, according to 15 U.S.C. 1681e ( b ), you, as a credit reporting agency, are required to follow reasonable procedures to ensure the maximum possible accuracy in the information reported. The presence of these duplicate entries is a clear indication that this standard has not been met.

15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The dates listed for my account do not reflect the correct information, which results in an inaccurate portrayal of my payment history.

Furthermore, 15 U.S.C. 1681c places specific limits on the length of time that negative information, such as delinquencies, may remain on a consumers credit report. Reporting an incorrect date of first delinquency could result in unfairly prolonging the negative impact on my 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 2024-09-07 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: IL

Complaint narrative:
I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my XXXX notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS. 


My identity has been stolen and compromised ; this is the XXXX notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter.

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 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On Friday, XX/XX/XXXX, my paycheck for work was deposited into my Venmo account. After it was deposited, I tried to transfer some money over to my wife to pay the bills. This action completely locked my account down to where I had no access to funds. Submitting complaints online. I finally got a hold of a real person to talk to and the debit card department. They explained that they thought there were some unusual activity so I verified my ID by sending not only a copy of my state drivers license but also the previous month financial statements from my cash app account.. My Venmo account was then put under restriction long enough for me to order XXXX thing off of XXXX. However, I tried to go to the ATM machine and withdraw some money and it locked my account back down for suspicious activity every day for a week I have been on the phone trying to find out what is going on because this was money that I live off of week by week. I was not able to get to work and lost my job because of this. Here, I am over a week later, and my funds are still not available. No one at Venmo can explain why my account is suspended all I am being told. It is up to an XXXX  XXXX to unlock it. There is no talking to an XXXX  XXXX. I have learned a valuable lesson on this one! Venmo needs to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: NJ

Complaint narrative:
I receieved multiple unauthorized inquiries on my consumer report that I do not recognize. back to back I over looked my report and immediately called to have them removed. they were not removed. this hard hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA, XXXX Subject : Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( XXXX ) : 1. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : No acknowledge Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information. 
XXXX. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely, 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 2024-09-07 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: AL

Complaint narrative:
In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both XXXX and XXXX for breach of contract, Respa XXXX, Negligence, and etc. 

I have disputed the inaccurate reporting of my payment history with XXXX, XXXX, XXXX and Transunion, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, Transunion and XXXX show me as current in XXXX of XXXX ( which I was ) However, XXXX is reporting me as XXXX delinquent for XXXX of XXXX. XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX Transunion and XXXX show me as 30 days delinquent and XXXX is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, XXXX should have not been reporting negative items to the credit bureaus. 

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with XXXX XXXX XXXX, XXXX, and Transunion. I kindly ask that these negative marks be removed immediately from my credit reports.

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 2024-09-07 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: AL

Complaint narrative:
In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both XXXX and XXXX for breach of contract, Respa Violations, Negligence, and etc. 

I have disputed the inaccurate reporting of my payment history with XXXX, XXXX, Equifax and XXXX, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, XXXX and Equifax show me as current in XXXX of XXXX ( which I was ) However, XXXX is reporting me as XXXX delinquent for XXXX of XXXX. XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX XXXX and XXXX show me as 30 days delinquent and Equifax is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, XXXX should have not been reporting negative items to the credit bureaus.

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with XXXX XXXX XXXX, Equifax, and XXXX. I kindly ask that these negative marks be removed immediately from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: AL

Complaint narrative:
In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both XXXX and XXXX for breach of contract, Respa Violations, Negligence, and etc. 

I have disputed the inaccurate reporting of my payment history with XXXX, Experian, XXXX and XXXX, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, XXXX and XXXX show me as current in XXXX of XXXX ( which I was ) However, Experian is reporting me as XXXX delinquent for XXXX of XXXX. XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX XXXX and Experian show me as 30 days delinquent and XXXX is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, XXXX should have not been reporting negative items to the credit bureaus. 

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with XXXX XXXX Experian, XXXX, and XXXX. I kindly ask that these negative marks be removed immediately from my credit reports.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNTS : XXXX XXXX Opened XXXX. XXXX, XXXX {$12000.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX {$5500.00} XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$2900.00} XXXX. Opened XX/XX/XXXX. {$2400.00} XXXX XXXX XXXX. OPENED XXXX XXXX, XXXX {$640.00} XXXX OPENED XXXX XXXX, XXXX {$1000.00} XXXX XXXX XXXX. OPENED Sep. XXXX, XXXX {$1000.00} XXXX XXXX XXXX. OPENED XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX. OPENED. XXXX XXXX, XXXX. {$2900.00} XXXX XXXX XXXX XXXX OPENED XXXX. XXXX, XXXX {$390.00} XXXX XXXX XXXX. OPENED XXXX. XXXX, XXXX {$1400.00} XXXX. XXXX XXXX. XXXX, XXXX {$13000.00} XXXX XXXX XXXX. OPENED. XXXX XXXX, XXXX {$1900.00} XXXXXXXX XXXX OPENED XXXX. XXXX, XXXX {$2300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2024-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Throughout my loan with Bank of America, i was paying 10 years of interest. My loan was XXXX dollars because I paid a XXXX downpayment. The original loan for the property was XXXX dollars. I owned the property for 10 years and took out a loan modification through XXXXHUD with the intention of lowering my payments. The next two months the payments increased higher than it was before I received the loan modification. During the closing process on or around XX/XX/XXXX, I paid XXXX dollars to Bank of America. They claimed I only paid XXXX dollars within a 10-year period off the principle of the loan. My payments a month for over a year were somewhere around XXXX a month. After I received the modification, I was paying XXXX a month. My loan payments were fluctuating during the time I received the FHA loan and after the modification. The estimated average of my loan payments in a year should be somewhere around XXXX dollars so how did I only pay XXXX for almost 10 years. I have a statement from Bank of America where they told me my loan balance in XXXX  was XXXX  and I ended up paying roughly around XXXX during closing. I believe they charged me XXXX for XXXX  twice in which I paid XXXX  separately.

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 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
blockchain.com has locked my trading account worth {$10000.00} in USDT for weeks now. I have provided all documents they claim i need for verification to upgrade the account, but they have still not unlocked the account so i can get my money back. i have contacted them severally and i am frustrated as they seem to purposely spam me with an automated response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: CA

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 explanation