vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My XXXXXXXX XXXX XXXX XXXX was repossed on XX/XX/XXXX. I was intending to recover the car but ultimately was not able to. The car was sold at auction. I called to recover my personal items on XX/XX/XXXX but was informed that the recovery company only held items for 60 days. I was two weeks past that time frame. I was not notified properly of this limit. Otherwise I'm would have made an asserted effort to recover my belongings sooner. 

There were some very valuable items including jewelry, electronics, clothing, footwear, and legal documents such as passports.

I called several times for possible assistance with the recovery center with none received.

I feel they did not fulfill their legal obligation of notification of the 60 day limit according to California Civil Code 2983.2 ( a ) ( 2 ).

I am filing this an official complaint to accompany small claims lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I found out today that I am a victim of identity theft, and a personal loan has been taken out in my name and Social Security number. The subprime lending institution ( XXXX  ) obtains soft credit pulls in order to approve loans from Clarity Services and XXXX XXXX instead of one of the three major credit reporting bureaus, which means the credit inquiry will not show up on any of the reports that I can obtain through XXXX which is sponsored by the federal government. I tried to obtain my Clarity report through Clarity services, the same day that I realized my identity had been stolen and not only do they ask for an abundance of sensitive information over the phone they want you to mail or fax a copy of your Social Security card and your drivers license before they will send you a report! After being victimized, do you think I would ever risk sending that kind of information in the US mail system? Absolutely absurd. Seems corrupt. I find it interesting that we are required to provide very little information to obtain a credit report through XXXX, which again, is sponsored by the government, but Clarity Services forces you to provide sensitive information in an unsafe manner to obtain a report with your private information on it after somebody has stolen your identity.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inaccurate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
The account in question is with JPMCB Auto ( Account Number : XXXX ). The details of the account are as follows : - Status : Derogatory - Date Closed : XXXX - Date Reported : XXXX - Balance : {$33000.00} - Last Payment : XXXX - Account Type : Auto Loan I am disputing this item because I believe it is reported inaccurately. The Fair Credit Reporting Act ( FCRA ) mandates that all information reported to credit bureaus must be accurate and verifiable ( 15 U.S.C. 1681e ( b ) ). Specifically, case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, emphasizes the obligation of credit reporting agencies to ensure the accuracy of the information they provide. Furthermore, I have reason to believe that this account does not reflect my true payment history or account status, which has negatively impacted my credit score. I kindly request that you conduct a thorough investigation into this matter under the provisions of the FCRA. If you can not verify the accuracy of this information, please remove it from my credit report immediately. Enclosed with this letter are copies of relevant documents supporting my position, including [ list any included documents, such as payment receipts or correspondence with the creditor, if applicable ]. Please provide me with written confirmation of your investigation results and any actions taken regarding my request. Thank you for your prompt attention to this matter. Sincerely, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AR

Complaint narrative:
I am writing to formally request the unfreezing of my credit report. I recently placed a security freeze on my credit file, and I now require it to be lifted to proceed with financial transactions. Specifically, I am in the process of applying for an auto loan, and the lender needs access to my credit report to assess my eligibility and finalize the loan approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: CIG FINANCIAL LLC
State: CA

Complaint narrative:
AUTONATION FINANCE XX/XX/year> {$1000.00} Disputed on XX/XX/year> Said it was accurate on XX/XX/year> But i do not own this debt I have never dealt with this company before it is fraud. I do not know this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-05 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I received a letter from MRS BPO , LLC a debt collector. They are trying to collect a debt that I owe to XXXX. It cost {$20.00} on XX/XX/year>. However, in previous years, I didnt use XXXX ; I stuck to XXXX XXXX XXXX XXXX My internet is XXXX XXXX XXXX, and my XXXX is XXXX. I dont know if they want to scam me or what. I didnt connect a line with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: OK

Complaint narrative:
Equifax removed XXXX points on a account that went from XXXX to XXXX. It shouldn't went up XXXX plus points or more per consumer law point status. My credit report has been abused with this bureau for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: WA

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I have no knowledge of this debt with National Credit Systems for XXXX XXXX XXXX XXXXXXXX for {$730.00}. I found out about this collection when I checked mt credit reports and have mailed correspondence ( address keeps changing and some mail returns ) and emailed several times requesting proof of this debt with no response. I have even requested proof of the debt from XXXX, XXXX, and XXXX and they have not provided proof either. This company has never notified me via mail, email. or any type of communication about this debt provided proof of debt, provided proof that they notified me about the debt allowing me to respond, provided dates, charges, itemized deductions or anything of the such. I have XXXX knowledge of this debt and have never been notified by anyone or provided proof of the debt. I do not owe this company any money and am requesting this collection be removed from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Lender decreases my limit without notifying me of why and showing a late payment all my payments have been paid in full. I started with a XXXX limit later changed to XXXX. This is cause me to have a late payment and inaccurate 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Lender decreases my limit without notifying me of why and showing a late payment all my payments have been paid in full. I started with a XXXX limit later changed to XXXX. This is cause me to have a late payment and inaccurate 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Lender decreases my limit without notifying me of why and showing a late payment all my payments have been paid in full. I started with a XXXX limit later changed to XXXX. This is cause me to have a late payment and inaccurate credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I think i had some identity theft on my credit report. I lost my credit cards in 2016.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERIS BANCORP
State: GA

Complaint narrative:
IN XXXX I received notification from Ameris Bank that loan number XXXX Was being transferred to XXXX XXXX XXXX. Effective XX/XX/XXXX. 

At no point prior to this did I receive any notification about my escrow account balance. 
I was notified by XXXX XXXX XXXX that my mortgage was transferred with a negative escrow amount. 
I asked Ameris Bank why. They sent me the enclosed escrow sheet. They failed to keep the {$420.00} balance they should of maintained. They failed to raise my escrow to the {$290.00} that would of made up for the expected escrow shortfall. 
This has caused me now to have a {$1600.00} expected shortfall and a increase over {$200.00} a month mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous and Associates shows due amount. Accounts have been paid and should be deleted now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was having problems with employment and had alerted the company. I was able to catch up on my XXXX XXXX i had acquired employment. However they did not take into account my earlier report of employment troubles and dinged my credit. When I contacted them about the issue they sent me to a manger that said they hay people companion about that all the time and they can not do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was having problems with employment and had alerted the company. I was able to catch up on my XXXX XXXX i had acquired employment. However they did not take into account my earlier report of employment troubles and dinged my credit. When I contacted them about the issue they sent me to a manger that said they hay people companion about that all the time and they can not do nothing about it.

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was having problems with employment and had alerted the company. I was able to catch up on my XXXX XXXX i had acquired employment. However they did not take into account my earlier report of employment troubles and dinged my credit. When I contacted them about the issue they sent me to a manger that said they hay people companion about that all the time and they can not do nothing about it.

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 2025-02-05 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation