vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-18 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: OH

Complaint narrative:
I have attempted to call Experian 6 times and each time the IVR will not get me to a person and will hang up. There is a fraudulent account on my credit report. I have tried for 3 months to get this removed but I keep getting declined by their system or hung up on. I have proof sent by the collections company and I have sent it in. They have not removed it as required.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called XXXX and Experian to remove accounts from dispute status and remove dispute comments on XX/XX/22. Associates at both credit bureaus told me that they do not see the dispute comments under my XXXX XXXX XXXX account ( see last page of attached ), but when I print out my credit report, the comments are clearly there. This error on my report is preventing me from obtaining a mortgage, lenders do not like to see accounts in dispute status. The XXXX XXXX XXXX account should not have any disputes on it, and both credit bureaus are telling me that there is nothing they can do to fix this error.

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 2022-04-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Experian In reviewing my credit report from Experian, I found unauthorized accounts. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX ACCOUNT NUMBER XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, XXXX has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to XXXX. Each time I dispute the reporting, it is denied by XXXX as accurately reported.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, XXXX has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to XXXX. Each time I dispute the reporting, it is denied by XXXX as accurately reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX and I entered into an agreement to settle this account. After receiving the settlement agreement and signing it, I paid the settlement amount. Since then, XXXX has continued to report that the account is past due and that they are still seeking payment for the remaining balance outside of the settlement. The agreement stated that once the amount was paid that I would be released from any further obligation to XXXX. Each time I dispute the reporting, it is denied by XXXX as accurately reported.

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 2022-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

( XXXX ) XXXX XXXX Account # XXXX, Has Violated my rights ( XXXX ) XXXX XXXX Account # XXXX, Has Violated my rights ( XXXX ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 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 instruction 15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: VA

Complaint narrative:
I got two cash app payments. These two payments are missing. The first one from my friend name XXXX for XXXX on XXXX XXXX. I never received it. Theyre telling me i had other payments that came threw that took the {$27.00}. Not true what so ever. After my purchases, i still had {$14.00} left over. Now the next missing cash app was made on XXXX XXXX. XXXX {$20.00}. I never received it. Im mad as XXXX because i feel like theyre just out right taking my money. All i want is my missing {$27.00} and {$20.00} and ill be done with cash app forever. This is the same reason my friends on XXXX and XXXX done deal with cash app now. I feel so stupid for not listening to people. My name is XXXX XXXX. My number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: NV

Complaint narrative:
On XX/XX/2022 I have submitted my FTC report along with my statement, identification, and the fraudulent account that was being reported to my account from Experian. On XX/XX/2022 I spoke to XXXX XXXX in the Fraud Special Team Department and stated to him pursuant to 15 U. S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - 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 alleged identity theft, no later than 4 business days after the date the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. When I explained that to him he was yelling at me over talking me and would not let me get a word in. He also kept putting the phone on hold every time I spoke and eventually hung the phone up in my face. He stated that they will not block the Fraudulent Account, which makes him and Experian in direct violation of 15 U.S. Code 1681c-2. I am really upset and that is very inappropriate to treat a consumer. I have attached documents from my previous CFPB complaint along with this one, as well as my ID, My Statement, and my Identity Theft Report once again. XXXX  XXXX XXXX has removed this fraudulent account. This is a violation and I am seeking monetary relief for the stress, disrespect, and violations. The following Fraudulent Account : XXXX XXXX XXXX  ( Account Number : XXXX ) needs to be removed from my report 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 2022-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime online bank refuses to refund unauthorized transactions through XXXX XXXX on my account even with a police report and evidence chime completely miss handled my report an denied my claim and after XXXX deposited into my XXXX {$80.00}. XXXX {$300.00} XXXX {$140.00}. XXXX {$250.00} XXXX {$620.00} Even after filling police report and giving name, birthday of fraudsters i was denied my XXXX ever fraudulent claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 notice is to inform Equifax and XXXX that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because Equifax added a late payment with the XXXX XXXX account which has been disputed several times. Further, Equifax and XXXX never put disputed comments on the accounts required by law, violation. I have sent Equifax and XXXX countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of Equifax. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: PA

Complaint narrative:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2022-04-18 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: NY

Complaint narrative:
On XX/XX/22 Saturday I applied online at XXXX XXXX  for a business credit card and also a personal credit card. On the business end it was a soft pull and on the personal end it was supposed to be a soft pull also but it ended up being a hard pull. I spoke to their customer service manager this morning at XXXX and his name is XXXX and he claimed theres nothing he can do to remove the hard inquiry. Cause on XXXX XXXX website it clearly states that they need your social for just identification purposes and it does not state that it will be a hard pull on Equifax Credit Bureau. There are not being transparent and playing mind games with the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
I filed a complaint about this directly with Kay Jewelers and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( Kay Jewelers ) stated that they will remove the reporting. 


STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX XXXX Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, Kay Jewelers, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX / {$11000.00} / XX/XX/2022

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 2022-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX XXXX, a collection agency contacted me about a debt I originally owed to Ally Financial in XXXX of XXXX. XXXX stated they were employed by Ally Financial to collect the debt, and they NEVER stated they were actually a collection agency. I had already had in my possession a letter from Ally for the original amount for debt, which was XXXX, XXXX. 
I believed this company, as they stated the amount, and sent a letter with the amount, along with contact information ( which I just recently found out, this information was false ). I have been paying this company {$75.00}, since XXXX of XXXX. XXXX just recently stop sending correspondence in the mail, with the adjusted amount balance, and when I called the company to request to speak with the person who's name has been on all of the letters I have received ( XXXX XXXX XXXX ), the person I spoke with, ( he would not provide his name ) stated the person was not there. I asked to be transferred to her Voicemail, he stated he stated there was no one there by that name. I asked why have I still been receiving correspondences in the mail with her name on it. He hung up the phone. I tried calling again, and a woman answered the phone, when I questioned her, she stated she couldn't transfer me to anyone, she stated she couldn't provide me with any information, and that she was working remotely. I called my Bank to stop payment for this company, and they opened a fraud case. The bank stated XXXX noted in the memo section of the withdrawals they have been receiving since XX/XX/2021, that I gave them permission to withdraw the amount of {$75.00} on the XXXX of every month on behalf of Ally Financial, and that they were paying Ally Financial this amount on the debt. Clearly, this company has violated so many laws, including the CFPB, FDCPA, and personal violations. They have lied, falsified information, collected on a debt that was forgiven ( also, I just received a tax document in the mail from the original creditor, Ally Financial, stating my debt was forgiven ), provided lack of information on collection of debt, did not identify themselves as a collection agency, and they purchased the account from Ally Financial, etc.

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 2022-04-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$600.00} / XX/XX/2022 XXXX XXXXXXXX XXXX / {$11000.00} / XX/XX/202XXXX XXXX XXXX {$4200.00} / XX/XX/202XXXX XXXX  / {$4400.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
We have sent copies of our Land Survey showing we are not in a floor plan but he servicing company continues to place a forced insurance on us with not response to our letters or emails. Our last email was sent on XX/XX/21 and still not response. 
They continue to take money from us with no explanation as to the disputed land survey

Company response to consumer: Closed with explanation