vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: VT

Complaint narrative:
I opened a credit card on with Indigo Card in XXXX right before I went to Texas for the Holidays, also my road is in rough shape because of flooding in Vermont. I asked them to mail to work and it was not received so then I asked them to mail the credit card to Texas so that I may receive and explained I was going on Vacation, they did and I received it. 

I activated the card in the middle of XXXX when I received it in Texas and my first purchase was declined. I then received a letter stating I need to show proof of identification and address which was provide on the XXXX of XXXX. They are stating it was received the XXXX and it will take weeks to process. I got the credit card to use for the holidays. The charged me a memebership fee of XXXX dollars of have reported it to credit bureaus, plus charged interest. However, as I can't use the card I'm very upset. They are blocking it not letting me use it! I NEED MY CARD!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these account : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Number XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I had a hard inquiry on my credit report on XXXX XXXX XXXX  The inquiry was from Barclay 's Bank Delaware. Location : XXXX XXXX XXXX XXXXXXXX, DE XXXX. The inquiry type was individual. I attempted to call several different phone numbers listed on the Barclay 's website on XXXX XXXX XXXX I was unable to get any support or speak to a representative because the automated service requested my account or credit card number. I have neither, because I do not have an account with Barclay 's. 

I have frozen my credit. I also called XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Good Morning, I tried to purchase ( 2 ) skid steers ( {$15000.00} total ) from what looked like a legit company in Florida several weeks ago. We wired the funds ourselves ( not a bank wire transfer ) and the company that I sent the funds to used the website and info from the original XXXX XXXX XXXX ( who is legit ) and hacked into their system using the false name of XXXX XXXX ( XXXX ). 

The web page is gone, phone number was disconnected the same day that I sent the funds. 

I contacted my local bank ( PNC ) fraud line reporting the incident the next day who advised contacting the local police for investigation which is done. I have been checking with the PNC Fraud center frequently, but they said the receiving bank in Florida XXXX  XXXX XXXX - hasnt responded to the PNC bank as of last Friday.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
I am looking to receive a refund because I made a purchase through my old cash app account and since then it has been closed and disabled but the company I made the purchase through stated that I have to contact you guys and give you a reference number for my refund, so Im able to receive them to a different bank account. I have reference numbers that I can provide you guys in order to get the refund if possible Ive tried every other option and the only way I can get it is through Cash app. The total amount of the refund was {$1200.00}. The purchase was made with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: OH

Complaint narrative:
I have requested and submitted multiple complaints on account and it hasnt been updated Ive contacted all agencys concerning this matter and have got Zero results! 

( XXXX ) - Account was opened fraudulently and in result account closed under my Rightful knowledge. The company has not complied to remove account from system after showing Requested documentation to the Company! I want this account deleted from my Credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC
State: DE

Complaint narrative:
I took out a loan in XXXX XXXX  I began having issues making payments and contacted the company numerous times for verification of amount owed, etc. Over the last 30 days Ive been told wrong information multiple times, that is now risking negative credit reporting, promised call backs that never happened and above all have been lied to by multiple members of leadership. Specifically, Ive spoke with XXXX XXXX and XXXX XXXX, both of which who promised to assist me and follow-up accordingly, however, that never happened. XXXX notated my account in XX/XX/XXXX that any negative credit reporting would be deleted due to the ongoing problems and lack of proper communication. 

Ive spent well over 12 hours, just in the past week trying to rectify issues caused by receiving improper and wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello im a victim of the XXXX data breach and all of my three bureaus credut information is tainted and tamper with. XXXX did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. XXXX and Transunion never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected

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 2024-02-01 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: NJ

Complaint narrative:
Hello im a victim of the XXXX data breach and all of my three bureaus credut information is tainted and tamper with. XXXX did correct the information but now it seems like all of the fraudulent and incorrect information has made its way back onto my report. Experian and XXXX never address or fixed the matter and this is hurting my everyday way of living. This is not only hurting me but its hurting my family. Please contact all three bureaus to address this in a timely manner and remove everything since none of this is validated and corrected

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 2024-02-01 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: TX

Complaint narrative:
I've been communicating with the 3 bureaus to get all of my old addresses off of my report because I no longer live or own at these establishments. The addresses below need to be deleted ASAP off my credit report due to the FCRA. 
I recently conducted an investigation on my credit report, which has caused severe distress. I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported accurately, as mandated by 15 U.S. Code 1681e ( b ) on the accuracy of reports. 

According to 15 U.S. Code 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ), any disputed information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is required to : ( i ) promptly delete that inaccurate information from the consumer 's file or modify it appropriately based on the reinvestigation results, and ( ii ) promptly notify the furnisher of that information about the modification or deletion from the consumer 's file. 

If you are unable to provide me with verifiable proof within 15 days after your investigation, I request that you remove the accounts and/or the listed information. Thank you for your assistance with this matter. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, MA XXXX Resident type My ONLY current address is XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc.
State: PA

Complaint narrative:
First Credit XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX, XXXX XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws XXXX and XXXX, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: DC

Complaint narrative:
I made my mortgage payment on XX/XX/XXXX but the mortgage company says that due to company policy, they will report it as being made on XX/XX/XXXX. I told them that this would lead to me being reported as over a month late and that is incorrect. They said that their company policy has the day ending at XXXX XXXX  and not XXXX midnight. I told them that is fraud to say XX/XX/XXXX is XX/XX/XXXX. I escalated the call and they keep repeating that payments made on XX/XX/XXXX can be considered made on XX/XX/XXXX. I want my payment to be accurately reported and I do not want to have my credit score negatively affected because of Freedom Mortgage 's fraud. I have been trying to rectify this situation all day.

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 2024-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am XXXX XXXX and the company sent an affidavit to the court for a default judgement stating that i wasnt on active orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Figure Technologies, Inc
State: NJ

Complaint narrative:
Figure Lending LLC has repeatedly requested that I provide my Condominium/Homeowners Association ( HOA ) Master Policy/Evidence of Insurance. I have followed Figure 's instructions and sent my insurance information to their vendor several times using the website XXXX. On XX/XX/2024 ( my most recent submission ), I asked for an email from XXXX confirming receipt of my insurance which I did receive and it stated " no further action is required ''. Figure Lending LLC continues to request this information and on XX/XX/XXXX threatened to force-place insurance on my loan and " increase my monthly mortgage payment accordingly ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: CA

Complaint narrative:
Experian is incorrectly reporting a XXXX credit score of XXXX as of XXXX XXXX XXXX Experian customer service has not resolved issue as of XXXX calls on XXXX XXXX XXXX They disconnect the call when the issue is mentioned after providing SS number, so they are not allowing the recording to process. Second phone call went through. Experian credit report of XXXX account shows an XXXX report indicating XXXX XXXX XXXX XXXX We filed a dispute to remove this company months ago, and XXXX, Experian , and XXXX all removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  responded with a letter removing outdated account created due to identity theft. 

Documents included : XXXX Credit Report showing XXXX credit report, no inquiries, no late accounts, and no XXXXXXXX XXXX XXXXXXXX. 
Incorrect Experian report of XXXX credit account, showing XXXXXXXX XXXX XXXX and XXXX XXXX XXXX of 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 2024-02-01 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I signed a contract on XX/XX/XXXX with XXXX XXXX ( XXXX XXXX XXXX ) who represented himself as a businessman capable of building an XXXX storefront with the purpose of generating passive income via buying and reselling. He had been recommended to me by an individual ( XXXX XXXX XXXX ) who charged me a sum of money to open several credit card accounts with the purpose of funding the construction and purchase of goods. They charged me a sum total of {$35000.00} and stated the store would pay for itself in less than 12 months with monthly deposits of a XX/XX/XXXX profit split. After the above, I was instructed to communicate solely via a XXXX XXXX business communication system and no longer phone or text. After several communications over a month to six weeks, their was almost no communication from them, I started to ask for updates, with no response. At approximately 3 months in I was getting extremely XXXX and asked for information, at which point I was told they were working on it and no need for me to contact them. After a few back and forth communications over the next two months, I realized that I was not getting through to them and had nothing yet to show for my time or money. At this time I resumed calling, texting, and left some pointed messages with XXXX. He finally returned my call in XXXX at which time I stated that I saw no evidence of accomplishing what I had expected. He could come up with no credible reason for the lack of achievement, I told him in response that I was not interested in pursuing this further and desired my money refunded to me. Since that time I have called, texted, written letters and communicated via the XXXX XXXX more times than I can count, to no avail. One of the selling points in all of this was low or XXXX % interest on new credit cards which would allow time for profits to erase debt. That option had already been squandered. I can only guess that I was part of a scam that has left me debt ridden and from which I never received any benefit whatsoever from. As part of the total charge above I was charged {$10000.00} to my Navy Federal credit card. I have called, written and talked to in person to the Fraud dept. and re-appealed all to no avail. They seem to have no sympathy, They say I was beyond a 60 day window for requesting reversal ; but in this case I had no choice, as I tried to negotiate with the " merchant. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: SC

Complaint narrative:
TransUnion is reporting an authorized inquiries on my consumer report. In pursuant to 15 U.S Code 1681, Because have not giving TransUnion consent to report the inquiries, I am requesting TransUnion to remove the inquiries from my consumer report Inquiries : XXXX XXXX requested on XXXX XXXX XXXXXXXX requested on XXXX, XXXX XXXX requested on XXXX, XXXX XXXX requested on XXXX, XXXX XXXX requested on XXXX, XXXXXXXX XXXX XXXXXXXX via XXXXXXXX XXXX XXXXXXXX requested on XXXX, XXXXXXXX XXXX XXXX requested on XXXXXXXX XXXX XXXXXXXX via XXXX XXXX requested on XXXX, XXXX XXXX requested on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by this inaccurate items and am not able to get my own apartment.

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 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
A few years back payments were taken out my bank account from affirm. I think it was late XXXX early XXXX. Back to back months took 2 payments from me. I was very confused immediately assumed fraud. So after I shut down my bank and got another bank. Few years after that around XXXX I realized AFFIRM was on my credit profile. I tried multiple times and different methods of disputing. But was still unsuccessful getting it removed from my credit report. It still remains on my credit report today as a derogatory mark til this day.

Company response to consumer: Closed with explanation