vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, XXXX and TransUnion Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX  XXXX Account Balance {$0.00} XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} TRANSUNION : XXXX XXXX XXXX Account Balance {$15000.00}

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
Greetings! I am a victim of identity theft, and under Section 605b of the FCRA, CREDIT BUREAUS are required by law to remove any items or data that have been opened as a result of identity fraud. The accounts in dispute DO NOT belong to me. Nonetheless, the requests I sent out were purposefully denied and ignored, which I thought was unprofessional on the Bureaus ' part. Once again I am requesting the XXXX, Equifax and XXXX Bureaus to remove these specified accounts below : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX XXXX XXXX  XXXX Account Balance {$0.00} EQUIFAX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX Account Balance {$15000.00} XXXX : XXXX XXXX XXXX Account Balance {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I have a loan with Flagstar Bank. In early XXXX we had severe flooding in our area and our house was hit with 5 and 7 day power outages and wind damage. Flagstar offered us FEMA relief with a 3 month grace period on payments. At the end of the 3 month period they demanded payment in full of the three months of back payments. My wife works from home and when we didnt have power she couldnt work, and we were dealing damage to our barn and helping our horses that were stuck in mud and driving rain. When we couldnt make the back payments to catch up they dinged our credit with a 90 day missed payment, it dropped our credit score XXXX points. I was never told that the money would be due at the end of 3 months, this seems like deceptive practices. Especially because we had gotten Covid forebearance and they renegotiated our loan after that.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1800.00}.

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 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Me and my wife bought a house and get a XXXX loan. 
On XXXX first, we paid the first monthly payment, {$4100.00}. 
We sold our previous house and we want to Payoff our new property. 
I contact Selene Finance to get my payoff information. 
They took a long time to send me this information and we decided to start the payment process doing additional payments towards the principal. 
Between XX/XX/XXXX to XX/XX/XXXX, we paid XXXX almost daily, 15 times, to be exact, plus an additional payment of XXXX. Total XXXX. 
When we finally get the payoff information, it comes with {$78000.00}, a little weird because our balance was {$77000.00}, but it's ok we paid in full on XX/XX/XXXX by wire transfer. 
I've been calling them since XX/XX/XXXX trying to figure out why my balance is still {$77000.00}? I paid and sent the proof of payment by email 4 times, on 4 different days. On XX/XX/XXXX we open a " ticket '' on the phone with Selene to try to find where is my money, they give today, XX/XX/XXXX as a deadline to get a response. 
Today is XX/XX/XXXX, and my payment is still " not found '', Selene Finance didn't give me any answer. Every time that I call they ask me when I'll pay. 
They simply don't give me an answer about my money, it's a lot of money and they simply don't care and I don't know what I can do to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
I did a transfer using XXXX on XX/XX/2023 that failed but was taken out of my account. I contacted XXXX and they stated that because theyre a payment transfer company and they dont hold funds, I needed to file a dispute with my bank. I did that on XX/XX/2023. On XX/XX/2023, XXXX attempted to refund me and the transaction was decline by XXXX. Ive asked the support team twice why it was declined which would have shortened the 90 day time frame they keep telling me about. They refuse to answer why the transaction was declined and instead keeping trying to explain it can take up to 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. 
I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my XXXX XXXX but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. 
I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. 
To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken.

Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the three major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process.

I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmerAssist A/R Solutions, Inc.
State: TN

Complaint narrative:
I have made several attempts to remove this account that is reporting inaccurate information against me to the credit bureaus & third part agencies, this company refuse to validate or investigate this matter properly to clear my innocence. after inputting several requests pleading for a fair investigation multiple times with this collection agency & all three bureaus ( XXXX & XX/XX/23 ) & all three bureaus no had a not even a drop of empathy. this matter has caused a dramatic negative impact to my life & everyday living. I never gave authorization or signed any contract to have my personal information passed around nor over to AMERASSIST A/R SOLUTION who continues to tarnish my name. this unfair discriminating behavior has caused me to be viewed as unreliable & untrustworthy individual, I am being judged before even getting an opportunity ; how injustice is this. someone please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
Friend sends me {$300.00} on XX/XX/XXXX to my Venmo account, I never use the app but end up jumping through all their hoops. Password, bank account, identity, address, transactions, and after verifying all of that I log into today and my account is suspended. I received an email and I contact the help phone number, they begin to tell me that there is nothing I can do and I need to wait for the account support specialist to email which can take up to 5-7 days. I tell them this is unacceptable and ask to speak to a supervisor, when I spoke to XXXX she told me that she cant provide me with the details on why my account is suspended after performing all the above actions and then tells me its 7-10 days before I may receive an email. I ask why I cant speak to anyone and they said there is no way to contact an account specialist outside of email. 

They are refusing to verify me or put my account back into good standing so I can just pull the measly {$300.00} out and delete this. They have no right to hold my money without any justification or reasoning and tell me there is nothing I can do for 7-10 days. This is not ethical nor reasonable, I can literally go buy a XXXX faster than I can get a response. If they are going to hold my money then interest needs to be paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
I noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact Experian, XXXX, and XXXX regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for Experian, XXXX, and XXXX. 
Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX  XXXX Balance Owed : {$5700.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted Equifax XXXX and XXXX about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In the past, I held multiple checking accounts with Bank of America. Unfortunately, during my time as their customer between XXXX and XXXX, I experienced recurring incidents where I was charged excessive fees for insufficient funds. These charges occurred multiple times for the same rejected transactions.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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