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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of the data breach, which happened through Equifax. I fill my information has been leaked. Im getting all kinds of calls from insurance companies as well as letters from all kinds of loan companies as well. There are items and inquiries on my report that should not be there, and I would like them removed Due to this breach, I will attach the evidence of this data breach below. The engagement number for the file claimed is XXXX. I have tried to contact Equifax fraud department due to this issue they will not allow me to speak to a representative, they keep saying that my information can not be verified when I am giving them all of the correct information so I just keep going in circles trying to contact them and resolve this issue to remove these items off of my credit items that I would like to be removed is XXXX {$230.00} Which then sold whatever debt they are claiming to a company called XXXX  XXXX {$230.00} aaa the date XX/XX/XXXX, XXXX XXXX the date XX/XX/XXXX XXXX card {$9500.00}, XX/XX/XXXX XXXX  XXXX {$1500.00}, XX/XX/XXXX, XXXX XX/XX/XXXX {$50.00} and all inquiries, except XXXX XXXX  and XXXX XXXX XXXX should be removed, remove XXXX XXXX  XX/XX/XXXX inquiry XXXX XX/XX/XXXX I dont even know what these two inquiries are, or where they came from. Ive tried to call and dispute with this company being as though the data breach was through this company but I just keep getting automated systems and they keep saying they can not verify my information which was given correctly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I tried using the card on XXXX, XXXX XXXX, and it never went through.

Company response to consumer: Closed with 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: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 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 complaint regarding the inaccurate information present on my TransUnion credit report. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies, but to date, I have not received a response. I am seeking your assistance in resolving this matter. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$980.00} Please remove this account from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$560.00} Please remove this account from my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$1700.00} Please remove this account from my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$360.00} Please remove this account from 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have never signed a HIPPA release form with the following alleged creditor : Alleged creditor : XXXX XXXX XXXX Alleged balanced owed : {$590.00}. 
Alleged agency : XXXX XXXX XXXX XXXX Therefore, these are inaccurate, HIPPA violations and I want this immediately deleted. HIPPA laws protect my personal medical information from being used without my concern and you are now aware of this HIPPA violations. Delete 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 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I signed up for the XXXX Synchrony home credit card in XX/XX/XXXX. I spoke with a representative via phone to finalize my application and make sure we were approved for the total cost of the XXXX  couch. 

I went into the synchrony system today to payoff the credit card and noticed my statement had fees for " PYMT CARD SECURITY '' ranging from XXXX XXXXXXXX each month. I distinctly recall telling the representative that I did NOT want to sign up for the debt cancellation program. I just requested a refund for the amount today along with interest charged. They said it was selected electronically, but I spoke with a rep via phone to verify my information. 

The credit security rep also is showing an amount to refund on the XX/XX/XXXX statement for {$89.00}, however, my statement shows {$92.00}.

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 monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a fraudulent 1099 was mailed to my home address by NewrezLLC. 
This 1099 reports that nonemployee income was paid to me in the year XXXX. The issue is that I have never worked for Newrez LLC in any capacity. 

I have no knowledge how Newrez obtained my personal information like address, social security number etc. 

My personal information was stolen from me several years ago and it took me months to clear that issue up. 

This false reporting of income to the IRS via this 1099 may once again cause me issues in the future.

I have tried several times to contact Newrez to get this fraud addressed and corrected but have not received any response from them. 

The name and the number on the 1099 is XXXX XXXX, XXXX.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
I was notified in XX/XX/XXXX, that I have a credit card debt from XXXX XXXX dated from XXXX, at the address XXXX XXXX XXXX XXXX. This has always been a rental property, never resided there. My current address is XXXX XXXX XXXX XXXX, Pa. XXXX for XXXX. This credit card account isn't mines, never applied for a credit card with XXXX XXXX. I asked for proof with my signature on credit card application. I didn't receive it. This is a XXXX XXXX XXXX fraudulent account that's not mines.Police report included XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
An Escrow analysis was performed in XX/XX/XXXX under the first home insurance figures the XXXX received. It was estimated that my escrow was short and that I needed to pay a difference of XXXX to bring my escrow current which I did in addition to my regular payment on XX/XX/XXXX. I called in the first time in late XX/XX/XXXX at which I was advised by a person in Texas who worked in escrow that my payments would change to {$930.00} and some change, explained over the phone. Today I was told by XXXX in escalations over the phone my escrow account is short and my current payment will be {$950.00} and some change. I told her she is the first person to tell me that my account was short in all the times I called in this month. I ask to consult a manager on the issue and I was told it would take 48 hours for a manager to contact me back with no name or number. There is nothing I can see currently online that reflects a current change and updated info. This has been going on the whole month of XXXX up until today. The new payments are suppose to begin XX/XX/XXXX and there is currently no updates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been Coinbase customer for many years. I have been trading crypto currency through their site and have significant amount of money in the account, around {$100000.00}. 
Around XX/XX/2024 I had trouble logging in to my Coinbase account. 
To recover access I was taken through the steps to verify my identity. I provided all needed information and was told that my identity will have to be verified manually and I will get further instruction sin the email. 
A few days later received email with instructions how to recover any account. 
The instructions didn't work. 
I have called customer support and was asked to provide photos to verify my identity again. I did provide all needed information and the person on the phone confirmed that my identity was verified. I was told that my case has been escalated and I will receive instructions in the email. 
The instructions I got in the email few days later didn't resolve my issue. 
Since then I have repeatedly called customers support spending hours on the phone. Every time I get a new promise that my case has been escalated and I should patiently wait for an email with instructions. But when the email comes it contains the same instructions that didn't work previously. 
It's been a month since the problem happened and I still don't have access to my funds. Their customer support has been giving me run around and is not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: MO

Complaint narrative:
Self lender told me that I had to wait 14 calendar days to process the payout of my security deposit. It has been over 14 days and they still refuse to process the payout. 

This continues to be a recurring theme with self-lender and their inability to follow their own rules and protect the best interests of their customers... I have called several times, and at the time of this complaint, I was on the phone with self lender and have been on hold for over XXXX min just to be told that there is nothing they can do even though they have recorded lines and was told I could process my payout after said 14 days. 

They refuse to show documentation that I was told this. overall I have lost all confidence that this company will hold up their end of the deal unless legal action is taken.

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: IL

Complaint narrative:
I am submitting this complaint to raise concern with regards to incorrect personal information your agency is reporting on my credit report.

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 — 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 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
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: 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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, Fulton bank closed my about XXXX XXXX XXXX checking account and held {$340.00} in my account without noticing me. They might contact me by my old phone number. I don't know. 

Then I called them for my {$340.00} several times. XXXX told me XXXX XXXX closed my account and left no information to XXXX. XXXX tried to reach her many times. She was not at her desk. On XXXX XXXX, I called again. XXXX gave me her number XXXX I called her.. no one answers. This is kind of fraud by a bank.

Company response to consumer: Closed with explanation
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: Alorica Inc.
State: MI

Complaint narrative:
I had two personal loans through XXXX XXXX that I have paid through automatic deduction on time for the life of the loan. I wanted to pay them both off so on XXXX I sent two checks to them, 1 in the amount of {$7900.00} and the other for {$3200.00}. Shortly after those checks were mailed, I was informed by XXXX XXXX that effective XXXXXXXX SST was going to begin servicing my account. Prior to XXXX I contacted XXXX and told them I was stopping my auto withdrawal as I was paying this off in full and they assured me I would not be charged any late fees or more interest. 
XXXX I phoned SST and they said to put stop pay on the checks. 
XXXX Hoping not to have to stop pay, I emailed SST to check the status of my account and told them I mailed the checks to XXXX and to please look into it as they were substantial amounts. They replied with, Call us. 
XXXX Confirmed the checks were not cashed and I requested they are reissued to SST. 
XXXX Checks reissued and mailed certified to SST. 
XXXX I got a call from SST asking for their money, I told her they were mailed twice. 
She said how do I know you mailed them. 
On XXXX I received a letter from SST stating my checks were returned from the bank, ( yes because I was told to stop pay on them ). 
XXXX received letter stating my accounts were delinquent. 
I pulled up my account information and it shows : XXXX received payment ( this was the payment made XXXX ) XXXX payment reversed ( because I stopped pay ) XXXX payment received ( mailed XXXX ) So now they have the payments, and they are still charging me the interest that incurred during the 2 months it took them to process the payments. I have called and explained this, and they said they will reverse the late fees and interest. However, I continue to get calls, e-mails stating I owe a balance. When the calls come in, I tell them to read the notes before they start asking for money. The do so and apologize and hang up however, no one fixes the issue and I still get calls. They come very late at night and during the day and I want them to all stop. Give me credit for my payments and the interest they allowed to accrue since they were so slow in processing payments.

Company response to consumer: Closed with explanation