vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 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:
This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumers report, this payment is being reported twice within another XXXXXXXX XXXX XXXX XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission.

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 2023-10-28 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items 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 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding the failure of the credit reporting agencies ( XXXX and Experian ) and the debt collector [ XXXX XXXX XXXX ] to verify disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



On XX/XX/2023, over 60 days ago, I filed a dispute regarding : XXXX XXXX XXXX Account Number : XXXX on my credit report. As per FCRA 1681i ( a ), the credit reporting agencies are required to conduct a reasonable investigation and respond within 30 days. Additionally, under FDCPA 809 ( b ), the debt collector is also required to provide verification of the debt upon request. It has now been 77 days, and neither the credit reporting agencies nor the debt collector have provided any verification or response regarding the disputed item.

The presence of this unverified information on my credit report and the failure of the debt collector to verify the debt have adversely affected me i invested XXXX on a business and currently trying to get it funded and because of there action I'm missing on a XXXX funding process because i keep getting denied.

According to FCRA 1681i ( a ) ( 5 ) ( A ), if the credit reporting agencies are unable to verify the disputed information within the required timeframe, they are obligated to delete the item from my credit report. Furthermore, under FDCPA 809 ( b ), if the debt collector can not verify the debt, they should cease collection efforts. Given that it has been XXXX  days without verification from either party, I am requesting the CFPBs assistance in ensuring that the unverified information is removed from my credit report and that the debt collector ceases collection activities as mandated by federal law.

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 2023-10-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Complaint about XXXX XXXX with CROSS COUNTRY MORTGAGE I am XXXX  XXXX  from the XXXX. With housebound status I also incur quite a bit of approved out of pocket medical expenses. 

These medical expenses deductions, which I have documentation for, would have qualified me for the income limits that most of additional down payment assistances required. These are programs that I deserve as a XXXX  XXXX  and permanently and totally XXXX XXXX. 

XXXX XXXX did no XXXX  to assist. The context of my XXXX were completely brushed over and completely neglected. 

I remained polite throughout the loan application process, and repeatedly tried to assert that these deductions are legitimate and consequential to my mortgage options. My attempts with him made no effects, which is why I am writing this complaint. 

I am not sure what motivated him to discriminate my XXXX  conditions and the real impact it has on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MD

Complaint narrative:
I hope this message finds you well. I am writing to inform you of a distressing issue involving identity theft that has directly impacted my financial well-being. Upon conducting a review of my credit report, I discovered an unauthorized account that was opened in my name with Pro Collect. It is important to note that I have not initiated nor authorized any business or account with this entity. 

The existence of this fraudulent account has caused considerable damage to my credit report and subsequently to my overall financial standing. I am deeply concerned about the adverse effects this may have on my financial health and credibility. I firmly believe that this unauthorized account is a direct result of identity theft and I am actively taking all necessary steps to address this situation. 

I have already taken initial actions by contacting Pro Collect to dispute the account and have filed a report with local law enforcement to report the identity theft. Nevertheless, as the impact on my credit report persists, I am reaching out to request your assistance in rectifying this issue. 

I kindly request your support in investigating and promptly removing this fraudulent account from my credit report. Your intervention and guidance in this matter would be immensely appreciated to ensure the accuracy of my credit history is restored. 

Enclosed with this email, you will find the pertinent details regarding the fraudulent account for your reference. Should you require any further information from my end to facilitate the resolution of this matter, please do not hesitate to reach out. 

I am fully committed to cooperating with your team to swiftly resolve this issue. Thank you for your attention to this pressing matter. I eagerly await your guidance and assistance.

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 2023-10-28 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:
This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXX  XXXX account ( XXXX ) # XXXX and the other account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-10-28 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: CURO Intermediate Holdings
State: LA

Complaint narrative:
This account is a charged off account on my credit report. I do not have any knowledge of these accounts. 

According to : 15 U.S.C 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
This account is a charged off account on my credit report. I do not have any knowledge of these accounts. 

According to : 15 U.S.C 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: GA

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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

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 2023-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a complaint for fraud because someone had given me a fraudulent check which I cashed. It seemed fishy so I sent the money back and I didn't spend any of it. The bank looked into it and said I would be liable for the money no matter what. I made a claim and was denied even though I didn't do anything with the money and didn't know the check was stolen or fake.

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 2023-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
on XX/XX/23 I completed a XXXX  XXXX  XXXX  for items, the seller said he would ship after receiving payment and proceeded to block my account and delist his listings. I took screenshots of the exchanges, I have his XXXX information, his cellphone number, his full name and license plate numbers. 

I want the bank information from his side of the XXXX transfer for my police report and I want the money returned to 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 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a big situation and i really hope that you can please help me. I went into Citi Bank to open up a checking account on XXXX at the XXXX Illinois location to deposit a large amount of checks that I have received on my wedding day XXXX in the total amount of {$28000.00}. The bank teller asked me if the name " XXXX '' on the checks were my nickname and I said yes. she told me to just go ahead and sign the back of the checks and I shouldn't have a problem. I also had my husband sign the back of the checks as well with the checks that have his name on them. I had received my debit card in the mail XXXX  days later on XXXX. When I called to activate and access the account, a representative told me that my account is blocked and transferred me to the fraud department. they told me that my account is being closed due to " third party checks '' and they don't allow that but those checks were made to " ME ''. I am XXXX, they are not third party checks. XXXX and XXXX are the exact same person. XXXX is my XXXX name. I use that with friends and family and also for work. They said they are not going to send me back the funds because they can not verify who I am, but those funds were all deposited into the checking account and I have confirmed with all the guests that have written me those checks and they told me that their checks have ALL indeed been taken out of their account and deposited. Please, I am begging you to give me back all the wedding money that I had received. I have every single wedding card with the guests names on them, my wedding website, my marriage license, my wedding contract, all the documents to prove that the wedding took place on XXXX and the check date matches the wedding date. I am who I say I am and I don't understand why the bank teller who had helped me at the XXXX location would tell me that it was ok for me to deposit these checks. they should've known better and I am in such a state of anxiety and sadness that this is happening to me. Please help me. I really need the funds back. I hope to hear back from you.

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 2023-10-28 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXXDEPT OF ED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX t

hese accounts have violated my rights. 15 U.S.C. 1681 section 602 A states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 ; it also states that the consumer reporting agency can not furnish an account without my written instruction. I would like this agency to provide me with proof of my written consent for these accounts to be furnished. I would like to be provided with my original contract and signature, and proof within that documentation that states Im consenting for this to be furnish. If proof can not be provided within 30 days of my request ; I demand these accounts to be deleted immediately from my credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act Experian Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-10-28 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: WI

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: Coinbase, Inc.
State: AL

Complaint narrative:
Coinbase the XXXX scam company that has already scammed me once is still scamming me. After they stole my money and refused to close my account and wouldnt let me trade while bitcoin crashed. Bitcoin finally went back out to I sold and am trying to get my money back from this XXXX awful company, and they wont let me transfer my money back to my bank account. So theyre still holding the money they scammed me into giving them originally. They still havent closed my account because it still has funds. But I cant withdrawal the funds. They also have no way to talk to an actual human everyone I communicate with is a chat function with options and no people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: FL

Complaint narrative:
This is my second notice asking the following credit bureaus TransUnion, XXXX and XXXX to remove, XXXX XXXX XXXX account XXXX XXXXXXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-10-28 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:
This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXX XXXX XXXX account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

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 2023-10-28 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:
This is my second time asking for TransUnion to remove this inquiry XXXX 15US code 1681 n Infamis of pulls or unauthorized account that is not mines.

As a consumer by law this must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also we have involved and sent this letter to XXXX, Attorney General Office and Fair Trade Commission.

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