vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I discovered that a company XXXX, which appears to be a gaming website, was logged into my Skrill account, moving money from by checking account by adding my debit card information ( which I never provided to them ). This went on back to XXXX. I did not realize this was occurring as none of the transactions were of a super high dollar amount, all under {$50.00}. But over the span of XXXX to XXXX, totaled over XXXX. 
I filed a dispute with Skrill on XX/XX/XXXX at XXXX. I received no additional communication from skrill despite my REPEATED requests on their website to provide me with an update. 
Then on XX/XX/XXXX, I received an email telling me that my Skrill account was blocked and that I would no longer be able to log in. Still no update on my dispute. 
Then today, XX/XX/XXXX. 10 DAYS after filing the dispute, I receive an email that they are just now reviewing and escalating it. Still no way to contact them ( they email from a " no reply '' email ) other than leaving comments on my dispute. Account still blocked/frozen. Money still gone. No mention of a provisional credit or refund. My bank is telling me I have to go through skrill since this XXXX company was basically just adding cash to skrill like you would any mobile wallet, and then siphoning it out from skrill to use as credits on their app which seems to some kind of fraudulent out of the country set up. 
I've also filed a complaint against XXXX. But Skrill is not providing me any update or refund and seems to be taking 10 days just to START a review, they're giving no guidelines for how long this might take, and are generally ignoring every request for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As of XX/XX/year> I have had a problem with Equifax and its ability to allow creditors to access my Equifax credit file this has been going on now for XXXX days I've contacted Equifax XXXX Relations countless times and was instructed to mail a copy of my ID and social security card along with proof of residence which I have done so on XXXX occasions certified mail but problem hasn't been resolved. which has caused me financial distress not allowing me to close on a home loan and other funding needs. This needs to be settled immediately so that creditors no longer have an issue accessing my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
I received a refund check from your company, A refund check for {$2500.00}, Check Numbers : XXXX, but the bank can not deposit it! Please check it! Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>XXXX  My only employer is : XXXXXXXX XXXX XXXXXXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>XXXX  My only employer is : XXXXXXXX XXXX XXXXXXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Rent Recovery Solutions
State: NC

Complaint narrative:
This company is reporting incorrect information on my credit report. I do not have a balance with these people, I have never lived at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have own my own home for over 20 years now. This account is fraudulent and I would like to have it removed ASAP from XXXX and XXXX reports.The account # XXXX is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I agreed to settle the account PAID IN FULL by XX/XX/XXXX for {$5500.00} cashiers check was mailed XX/XX/XXXX and received and cashed by plaintiff 's attorney as part of a stipulated agreement. 
The attorney has acknowledged this agreement and filed a Stipulated Order if Dismissal from the court Case # XXXX with prejudice XX/XX/XXXX. 

I received a collection notice from Discover XX/XX/XXXX for the remaining balance despite ignoring the stipulated agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX EMPLOYER XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: TN

Complaint narrative:
To whom it may concern, I am a survivor of Human Trafficking. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking.

Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within XXXX business days ( see 1XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi amex close all my credit cards, and only refund some of my cards annual fee, there are XXXX cards the annual fee are not refunded. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: VA

Complaint narrative:
Recently XXXX XXXX XXXXXX/XX/year> I looked at a copy of my credit report and noticed several inaccuracies on my account. These account listed below is hurting my ability to obtain credit. It's my understanding that EXPERIAN will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I noticed that a series of unauthorized ACH payments to XXXX XXXX had occured on my account for about 1 year on behalf of XXXX XXXX XXXX XXXX. I did in fact dispute said charges, but to no avail. 

I filed a police report ( # XXXX ) with the XXXX XXXX XXXX Police Department ( XXXX ), but to no avail. Note : Officer XXXX XXXX retired shortly after closing my case. 

I've called nearly EVERYONE in the XXXX and the Prosecutor 's office, but to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: U.S. BANCORP
State: NE

Complaint narrative:
Issues is with XXXX XXXX XXXX who said they are working on behalf of US Bank. They report that I owe a debt of XXXX. I don't know of this debt. They threaten to send me a summons but I called the local law clerk and they where not able to find a case. They point to a website that has only been created a few months ago but said they been in business for 3 decades. Also the website - https : //www.baylorandpartners.com/ - shows copyright 2022, but again the WHOIS shows the website was created XX/XX/XXXX " XXXX search results Domain Name : BAYLORANDPARTNERS.COM Registry Domain ID : XXXX Registrar XXXX Server : XXXX Registrar URL : XXXX XXXX XXXX Updated Date : XXXX Creation Date : XXXX XXXX Expiry Date : XXXX Registrar : XXXX XXXX 
XXXX XXXX ID : XXXX Registrar Abuse Contact Email : XXXX Registrar Abuse Contact Phone : XXXX Domain Status : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clientUpdateProhibited Name Server : XXXX Name Server : XXXX XXXX  : unsigned '' I was contacted today at XX/XX/XXXX regarding this. XXXX post has detailed this could be a scam industry trying to scare people into paying a debt that doesn't exist or is past Statute of Limitations.

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 2024-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management currently lists three accounts on my credit report, all related to credit cards from XXXX XXXX, with the following details : Account 1 : Balance of {$560.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account 2 : Balance of {$450.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
Account 3 : Balance of {$1500.00}, opened XX/XX/XXXX, with 100 % of the balance remaining unpaid. 
These accounts were all reported on XX/XX/XXXX, and are marked as derogatory on my credit report. I have made payments toward these credit cards in the past, and I am concerned that these payments have not been accurately reflected in the balances reported by Midland. I am requesting a detailed breakdown ( a full ledger ) of each account, including all transactions, payments made, and any fees assessed, so I can ensure that the payments were correctly applied.

I am disputing this information to verify the amounts they are attempting to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I settled the debt with the original owner : XXXX They agreed to remove the derogatory remark from collection upon receiving full payment {$190.00}. They gave me a written agreement as you will find attached requesting removal from collections. 

My issue is NOT with XXXX. My issue is with the XXXX party vendor ( ALDOUS ) that was sold my debt which is illegal. 

When I called the third party, ALDOUS, they told me they will NOT remove!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXXccount Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: DE

Complaint narrative:
My issue involves : XXXX XXXX, AmeriHome and XXXX XXXX in XXXX I have refinanced to XXXX XXXX from Amerihome During the refi process I was informed of multiple scenarios regarding my Escrow Refund. 

During the Refinance process my loan was sold to XXXX  XXXX  - I was told today by XXXX that my taxes were delinquent resulting in no refund. 

When signing my closing documents I was promised an escrow refund over XXXX. My issue now appears to be that my taxes weren't paid properly and I am not sure where the remainder of my funds went.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
I lived at XXXX XXXX run by XXXX XXXX in XXXXXXXX XXXX I experienced financial harassment from the moment I signed the lease, from threats to raise rents, to charging me for a requested door lock to be added, to not informing of the insurance policy when a leak happened in my unit. I obtained my own insurance after that incident of not being given proper documentation on the insurance that bought through them. 

I have several communication with their XXXX XXXXXXXX that was released from the unit without penalty. I cleaned the unit throughout and left it in better condition, I turned off my electrical that was billed in my name. I was there all of XXXX month. I paid XXXX $ total as part of a deposit and was supposed on a month concession. They locked me out of the ledger and never sent a bill. Instead they sent the bill to collections XX/XX/XXXX. I moved out XX/XX/XXXX. Their debt XXXX emails only go to spam. They only received my email today XX/XX/year> as of XXXX. I sent them information and they only opted me to take them to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I made a payment for my auto insurance utilizing my cash app account to XXXX insurance company. The payment was processed and completed on my cash app. When state farm received the payment it was charged back to cash app. Ive made 3 claims with cash app to refund me the XXXX but all 3 request were denied. I did send cash app supporting documentation from XXXX insurance but they still did not accept those documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding Kikoff Lendings failure to properly apply my promissory note to my account as payment in consideration of value. Despite fulfilling my obligations under the promissory note, Kikoff has not credited my account accordingly, resulting in inaccurate account status and potential harm to my credit. I request immediate correction of this error and proper application of the payment as agreed.

Company response to consumer: Closed with explanation