vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: WV

Complaint narrative:
Wakefield Associates called me and told me that they were trying to collect a debt for {$2100.00} and I told them that all my bills are paid and they need to go back and check their records, i thought it was a scam so I hung up the phone. 
On XX/XX/XXXX first thing in the morning i started receiving reports in my email that my credit report was losing points because of a major derogatory mark, i found out it was Wakefield Associates so looked up their phone number and called. I talked to a guy named XXXX XXXX he was not nice at all ) and told him that i did not owe any bills and had not been to the facility in question where the bill was from. He asked me for my birth date to verify my identity and when i give it to him he said it did not match what was on his records so i give it to him again and he said it did not match. 
I ask what was the birth date he had on record and he said that he could not give me any information and I told him that is because it was not me and now my credit is taking a hit because they are calling the wrong person. he said i could dispute it and I asked him how and he said to call the credit bureau. 
I then called the company billing dept that they claimed i owed and they dont even have me in their system. 
Today Monday XX/XX/year> i received another call from Wakefield at XXXX XXXX  and this time I talked to XXXX XXXX ( she was nicer ) she asked to verify my identity and i told her that i will give her my birth date but it won't match in her system because they are calling the wrong person, i give it to her and it did not match. i told her i was reporting it to the FTC and she said she would put it in her records that it was being disputed. 

I just want this off my records so i can have my credit back, i have worked hard all my life to keep great credit and it is wrong that a company can just do this and i have to go to great lengths to restore something that should not have happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Good morning, my name is XXXX XXXX, I bought my car with Acura, at Paragon Acura in XXXX, which is a lease. I bought it on XX/XX/XXXX and the car was stolen on XXXX XXXX. We agreed to investigate well and the police declared it stolen. The report was made with XXXX XXXX, which XXXX agreed to pay for said car! while they exhausted all the souvenirs in case they found the car! but there has been no luck!! So Acura agreed to put the account on hold, two months had already been paid!! And it turns out that they say that they are owed 2 months, how is it possible if the car only lasted in my hands 1 month and 2 weeks. Then they reported the car with false late payments and that is very bad, they reported me to the credit agencies and they damaged my credit where it is convenient for them to receive the check, receive the payment for the car but with my credit damaged and then they want to sell me another car and raise the interest I understand that this is a deceptive and very low strategy on the part of Acura

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: MA

Complaint narrative:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by TransUnion. On XX/XX/XXXX, I initially contacted TransUnion to address the following discrepancies in my credit report. Despite my efforts, there has been no response from TransUnion to date. I believe it is imperative to rectify these inaccuracies promptly. 

The following are the details of the incorrect information and the corresponding corrections required : The account with XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ) was never late. Please remove the late payment notation. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$23000.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$990.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$120.00} ) was never late. Please correct/update this inaccurate information on my credit report. 


The account with XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$720.00} ) was never late. Please correct/update this inaccurate information on my 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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-29 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
i contact this company about proof of payment on a debt from XXXX i paid this collection company the full amount but did not receive any type of proof and it was not reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
My wallet had been stolen while I was at work. All of my other cards caught the fraud immediately except citi bank home depot card. I called and canceled the card, they sent a new card with the same number. My card then was used fraudulently. I called to dispute the charges, they said it was fraud and they would change it. Now I'm being sued by citi bank for the charges.

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 2024-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I am filing this complaint against Essex Mortgage due to their failure in processing my mortgage payments and the subsequent miscommunication that has led to undue stress and potential damage to my credit. 

Background : After Essex Mortgage moved their headquarters and updated their website, my mortgage payments began to be flagged by my bank 's fraud filters. This was unexpected and unprecedented, as payments to Essex had always been processed without issue in the past. 

Detailed Incident Timeline : The last week in XXXX : My payment for XXXX was flagged by my banks fraud filters. Unaware of the issue, I attempted the payment multiple times. 

XX/XX/XXXX : Spoke with a manager at Essex Mortgage. I was informed for the first time that Essex was aware their changes could cause issues with some banks ' fraud filters. 

XX/XX/XXXX : The Essex manager promised to process the payment on this date, despite my request to handle it immediately. I was assured this delay was to ensure the updated information would clear the fraud filters. 

XX/XX/XXXX : Received communication from Essex Mortgage stating they would not process any of my payments. This was in direct contradiction to the assurance given earlier that the payment would be processed post-miscommunication resolution. 
Impact and Issues : The change in Essex Mortgage 's processes and the subsequent miscommunication have directly led to delays in payment processing, causing significant personal stress and the looming threat of a negative credit report impact. 

The inconsistency in communication and their failure to follow through on assurances have exacerbated the situation ; along with long wait times and not returning calls. 

Additionally, I am deeply concerned that Essex Mortgage 's recent actions might constitute a form of bullying or retaliation in response to my raising these issues. The sudden reversal of their initial agreement to process my payments, coupled with the lack of communication and their unreasonable demand for a letter from XXXX XXXX, give me reason to believe that I am being unfairly targeted. This perceived retaliation is not only distressing but also completely unacceptable in a professional setting. I urge the CFPB to consider this aspect of my complaint seriously and ensure that Essex Mortgage is held accountable for any such unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-01-29 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc.
State: WA

Complaint narrative:
Sentry Credit Inc has filled a debt to collections that was not mine. I have never lived in that city before and they did not ever send me information regarding the collection. A simple investigation would show I have lived in a different address for several years now. But they have not taken down this false allegation and fail to send me information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Cavalry is attempting to sue on a debt that fell delinquent in XXXX of XXXX, over 6 years ago which is well outside of the stature of limitations to sue in the state of Colorado. To top it off, it is to my knowledge that this debt was settled 2 years ago and has since been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-01-29 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: NJ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

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 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
I asked simply why I was getting an error when I tried to order a replacement card through the Square Cash App. 

They quickly responded that " they have no further information that they can see on their end '', and there's noting more that we can do on our, and to please try again at another time. Sorry for the inconvenience, and thank you for understanding. '' -Monday, XXXX EST ( I've used Cash App for well over 5-6 years, and it's never been a problem filing to report a lost card, and they could send a replacement card immediately and it would soon coming in the application itself. Now, it doesn't even allow me to order the card, and it constantly says, " An unexpected error has occurred. Please try again later ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief