vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. So, now after asking you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showing up inaccurately. On XX/XX/XXXX I pointed out that you are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Also, now I would like to also point out that this account was settled and paid in XXXX of XXXX, so you definately shouldn't be showing XXXX in XXXX. The other credit bureaus don't. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

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 2025-01-28 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: Nav Technologies, Inc.
State: TX

Complaint narrative:
My company XXXX XXXX XXXX XXXX has a credit builder account with NAV which we have consistently made on time payments to for almost a year is reporting to the business credit bureaus that my business credit score has decreased by XXXX points from XXXX to XXXX without cause and I demand that the company makes the appropriate adjustments to our business credit score immediately. Thanks for for everything in advance because I trust that you're company will handle this matter abruptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I have requested for these fraudulent inquiries to be removed from my credit report and experian has failed to their job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> showing as 3 inquiries. I demand these inquiries be removed. I never authorized these Experian to show my credit personal information to these fraudulent companies and this has caused me harm. For over 2 years being on my credit report. I demand they be removed 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 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Missing Funds Money disappeared from Missing Funds Money disappeared from my Cash App account without any explanation. 
Identity unauthorized transactions, fraudulent activity, incorrect payments, issues with account access, delayed withdrawals, problems with customer support, disputes over goods or services purchased through Cash App, suspected scams, missing funds. Electronic found transfer act, and regulation E. This. Actions have caused significant inconvenience and financial loss. Therefore Im following the the Customer Financial protection act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am Applying for a mortgage and when the bank does a check on my credit at Experian, it says my credit is frozen. I logged into my Experian account and it says unlocked. I called and worked through the automated voice system and it confirmed my credit was not locked. I sent an email to Experian support and the response was to send me to the Experian website customer service. I have already tried calling them and can not get to a live person to assist with this issue. I had the exact same issue with Experian in XXXX on another matter where a local utility company did the account was frozen. 
Please help me to get some way to have them provide me with confirmation and to make some effort in reviewing my case. 

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 2025-01-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Calvalry collection is trying to lawsuit me over a debt that hasnt been active since XXXX covid. In California you have XXXX  years to do so. Its almost XXXX XXXX XXXX. They just now filed and contacted me although there paperwork has XXXX you must go by the date of service its to late.

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 2025-01-28 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: Avid Acceptance, LLC
State: GA

Complaint narrative:
XXXX not sure who Avid Acceptance is. I have only applied for vehicle financing once in XXXX and Ive received my notice from that company. I would like to know who does this company work for and how did they receive a vehicle financing application from me. I also did not call number provided on letter notice from Avid Acceptance as XXXX not sure if its a scam.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: FL

Complaint narrative:
I am being called from spoofed numbers that all leave messages attempting to collect debts. XXXX XXXX and Americollect. I am being called every 10 to 15 minutes. If I answer the phone they call more. Its harassing behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage is reporting several late payments on my account I am hoping we can resolve. I went through a rough patch in my life and lost my job so I had no income for a few months. As soon as I found out, I called Freedom Mortgage and let them know about the situation and they were able to opt me into some kind of plan and it all sounded fine. However, I was never told that this would set my loan on a recurring XXXX  day late or I would have never agreed to it. I was completely unaware until I checked my credit one day and I had various lates for 7 months! I went through a rough patch and asked for help and I would have rather figured it out somehow instead of having a recurring late. I was able to sell my home and the account closed. However, this is really affecting my ability to move forward with my life. I was completely unaware of what this would do.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
So, my robinhood account got XXXX, and they said theyll transfer everything in my account to my bank account ( the full amount was upwards of {$49000.00} ). When the transaction took place they only transferred {$47000.00}, and since the account is restricted i cant with withdraw the {$1400.00} thats left in the account. Now i dont know what to do, their support team is so bad, and wont help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment Account XXXX that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

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 2025-01-28 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
Receiving predatory calls from Regional Finance regarding repayment. Unable to access account online and have discussed options in person. Loan was reported to credit agencies after XX/XX/XXXX and impacted credit score by more than XXXX points before regular credit reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
Dear Equifax Dispute Department, I am writing to dispute inaccurate late payment reporting on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have never had any late payments, and the reported information is incorrect. This inaccurate reporting is negatively impacting my credit profile and does not reflect my payment history. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and the removal of these incorrect late payment records from my credit report. 

Thank you for addressing this matter promptly. If you require any additional documentation or details, please contact me directly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: NV

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

15 U.S.C. 1681 Section 602 A, states | have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency cannoi furnish an account without my written furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: VA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
Trying to apply for an equity line of credit from XXXX XXXX  Email on Wed XX/XX/XXXX stated they will reach out, come XXXX XX/XX/XXXX I receive a call from XXXX from AmeriSave, a predatory mortgage company They already had all my information, so thinking they were a branch of XXXX, I went with it Same day they charged me {$500.00} for a lock-in rate XXXX  contacted me and I inquired about AmeriSave, they have no affiliation with each other whatsoever I wanted to start my loan application with XXXX  but ended up with AmeriSave, whom I will NOT continue doing business with, I have not finished the application thankfully but got charged {$500.00} for a lock in rate, which I will probably end up eating

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: Quall Cardot LLP
State: CA

Complaint narrative:
XXXX XXXX is trying to lawsuit me over a debt that hasnt been active since XXXX covid. In California you have 4 years to do so. Its almost 6 years old. They just now filed and contacted me although there paperwork has XXXX you must go by the date of service its to late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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