vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, North Carolina XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX Equifax and XXXX Subject : Request to Opt-Out of Reporting Process Dear XXXX, I am writing to formally request that you opt me out of your reporting process in accordance with the provisions outlined in the following laws : 15 USC 6508, 15 USC 6081 , 15 USC 6802 , 15 USC 6805 , 15 USC 1681 , and 16 CFR 313 and 313.7, as well as The Privacy Act of 1974.

As a consumer, I understand my rights under these statutes, which provide me with the ability to control how my personal information is used and reported. I request that you cease reporting my personal credit information to third parties and take all necessary steps to ensure that my data is not shared without my explicit consent.

Please confirm receipt of this request and inform me of any actions taken to process my opt-out request. Additionally, I would appreciate it if you could provide me with a written acknowledgment of this request and any relevant details regarding your procedures for opting out of your reporting process. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
Cancelled escrow XX/XX/2024, XXXX because Carrington habitually changes my VA loan monthly amount for 4 of 6 months. As of XX/XX/2024 the monthly payment amount is still changing monthly. I'm on VA XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have been sued due to a credit card company. 
I am basically an indigent at this time. I had no problems until a car accident in XX/XX/XXXX. I was not a driver, only a passenger. It is currently under litigation, after Ive had XXXX XXXX and lots of constant medical care. I am currently XXXX, and have received XXXX  temporary XXXX two or three times, and received some monies. Ive lived off of loans from my lawsuits, in addition to the initial accident, Ive had 2 others, neither of which legally were my fault. All my cards went into default. I had and have no income, nor assets. I have a financed vehicle and an apartment. I own nothing, other then XXXX worth of interest and old low limit credit cards ranging from {$300.00} to XXXX XXXX. I survived off of them and maintained payments as long as I could. Ive attempted to work when absolutely necessary, however, Im still XXXX XXXX. I had a serious XXXX on XX/XX/XXXX, and a less serious on in XX/XX/XXXX. Also, many XXXX XXXX XXXX XXXXXXXX for XXXX XXXX 
I am suing the people responsible for the accidents, and have XXXX claims moving forward. Ive received loans on the claims. But, a small sum of money for a much larger return. Upwards of $ XXXX for only XXXX. I am in the end stages in one XXXX, and middle with others. I am now being threatened by numerous agencies, not only IRS, but now my utilities and debtors. I am broke. My accounts are all in the negative. I have NO cash assets. No nothing. I cant defend myself and Im XXXX and XXXX XXXX. Im anxious constantly and also, due to my severe XXXX  concerns, I struggle to comprehend everything. Id probably die best to claim bankruptcy. But, Ive tried and been unsuccessful. I have also applied for XXXX, and am in the process of that, and its been about XXXX  months since I applied. I need assistance. I dont want to end up homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TransferWise Ltd
State: MN

Complaint narrative:
On XX/XX/XXXX I tried to add my nationality in their mobile app as requested and instead of saving the correct one the nationality was not one I selected. I immediately contacted Wise through their app email and asked for help to correct the information. I uploaded my passport and driver 's license and did a video selfie as requested on XX/XX/XXXX and two more times after that and the information still has not been corrected. The last email on XX/XX/XXXX indicated my information had been received and would be updated in the next two days.

My information still has not been corrected almost two weeks after my initial request and not within the timeline they provided in their email responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: URS Solutions, LLC
State: IL

Complaint narrative:
I made 3 payments of XXXX dollars still not sure of this loan! I asked for a copy of the loan! Just told that I owe XXXX plus with fees! I called the company XXXX XXXX XXXX I was told I'm not n their system and they would have a record if it was sold to a debt collector ( URS ) and they do not! I spoke again to the debt collector and I was told that wage assignment is being sent to my employer for to start collection from my paycheck! I have documents I signed with the debt collector and receipts! I'm not aware of a loan with this company and if I am I would like to see the paperwork

Company response to consumer: Untimely response
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
im trying to open up an account but for some reason they told me i cant open and have to report to you

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX 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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : U S DEPT OF EDXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian failed to investigate my disputes, they did not accept my documentation and will not let me dispute things that's already been disputed. This has negatively impacted my credit score, my job screenings, and my housing options.

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-05 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: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: OH

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. This collection agency is not licensed and bonded to collect from me in the state of OHIO Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: OH

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. This collection agency is not licensed and bonded to collect from me in the state of OHIO Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights.

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 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced in your communications with me. Please note that statements alone are not sufficient evidence of a debt, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : The name and address of the original creditor ( XXXX XXXX XXXX. ). 
A detailed explanation of the debt, including the amount owed and the date the debt was incurred. 
Copies of any contracts or agreements that substantiate the debt. 
A complete payment history showing how the amount was calculated. 
Documentation that verifies you are legally authorized to collect this debt. 
Until I receive the requested documentation, I consider this alleged debt to be disputed. 

Additionally, this letter serves as a formal notice to cease and desist all forms of communication with me regarding this alleged debt. This includes, but is not limited to, phone calls, emails, letters, and any form of electronic communication. Furthermore, this cease and desist order extends to the reporting of this alleged debt to any consumer reporting agencies. Any continued reporting of this disputed debt will be considered a violation of my rights and will be pursued accordingly. 

Please be aware that failure to comply with this notice and continued XXXX  may result in legal action against your agency. Should I choose to litigate for XXXX XXXX XXXX, the costs will be itemized as follows : Attorney Fees : {$500.00} per hour Court Filing Fees : {$400.00} Damages for XXXX XXXX  : {$5000.00} Statutory Damages under FDCPA : {$1000.00} per violation Lost Wages due to Court Appearances : {$200.00} per day Other Costs ( e.g., travel, documentation ) : To be determined By choosing to disregard this notice, your agency will be subject to these costs, which I will seek in full through the appropriate legal channels. 

Thank you for your prompt attention to this matter. I expect a full and complete response within 30 days of receipt of this letter. Please send all correspondence regarding this matter to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-08-05 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: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have inquiries on my credit report that I didnt authorize

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
Dear Sir/Ma'am Your assistance is needed in the recovery of approximately XXXX XXXX XXXX  dollars from fraudulent ACH transfers through my bank Alliant Credit Union XXXX The incident has been reported to my bank on XX/XX/year>, but I would like to file a formal complaint to the relevant law enforcement agencies for review and record keeping. Please help disseminate the information provided to the appropriate law enforcement authorities for investigation. Thank you for your assistance. 
Unauthorized ACH transfer out of my Alliant Credit Union saving accounts on XX/XX/year> totalling {$35000.00} in 4 separate ACH transactions. 
- {$9900.00} - {$9900.00} - {$9900.00} - {$6000.00} Unauthorized ACH transfer out of my Alliant Credit Union checkings account on XX/XX/year> totalling in 2 separate ACH transactions. 
- {$14000.00} - {$4000.00} As the primary account holder, I never received any fraud alerts from Alliant Credit Union, so I am requesting your assistance in getting my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC
State: WA

Complaint narrative:
I am a customer of Mariner Finance and use there mobile app. They gave an approval of $ XXXX not a pre approval. They wanted to add my wifes car to the loan and I said no thank you. They went ahead with the offer of $ XXXX approved by underwriting. Today at close they said well someone checked the wrong box in underwriting and we can only offer you {$500.00}. 
They wanted my car added and misrepresented the approved offer. They are making misleasding ads and lying to consumers about approvals in their mobil application when they are clearly offers for a pre-approval. This is a scam that has now caused me suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: WI

Complaint narrative:
My account amounts on my credit cards and loans have not been updated in 3 months those balances on my car loans and credit cards have not been updated

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 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX I got a hotel room they preauthorized XXXX I checked out on XX/XX/XXXX I recently received the finalized bill of {$150.00} & cash app has not returned my {$50.00} after 14 days. They keep taking money without my permission & keeping it blaming other parties, but the other parties have no part of it. 
Date / Description AMOUNT ( USD ) XX/XX/year> - {$150.00} XXXX XX/XX/year> *Accommodation {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$8.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX {$9.00} Terms and Conditions The electronic version of your

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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