vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: CO

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-16 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: FL

Complaint narrative:
I am writing to you to express my deep concern and frustration regarding the lack of response to the disputes I have submitted since XXXX of last year. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any incorrect information that may be included in my credit reports. 

I have submitted several disputes to their offices to correct the inaccurate information being reported in my credit reports. These disputes have been detailed and well-founded, complying with the requirements set by the FCRA. However, as of the date of this complaint, I have not received any response or action from any of the three credit bureaus. 

The FCRA clearly states that consumers have the right to a timely and fair investigation of any dispute they file. The lack of response from XXXX, Experian, and XXXX goes against these rights and puts me in a compromised financial position due to the incorrect information that continues to affect my credit history. 

I urge you to comply with the law and proceed with the corresponding investigation to correct and update the incorrect information on my credit reports. Additionally, I request that you contact me immediately to provide a clear explanation of the delay and the current status of my disputes. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I trust that you will take the necessary steps to rectify this situation promptly and in accordance with the FCRA. 

I appreciate your attention to this matter and look forward to a prompt resolution.

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 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I think the company is scamming me, I requested that they give me information about my case, send money to another account ( mine ) and they only tell me that the money has already been received, then they said that my bank rejected the transaction and today they told me again that the money had already been collected. 
I have researched this case and hundreds of people are going through the same thing. The company is ( Money Gram ). I remember that in one of the recorded calls, an assistant told me that my bank rejected the transaction, that they had nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Divergent Consumer Services
State: NJ

Complaint narrative:
I dispute {$850.00} paid XXXX XXXX, Divergent Consumer Services LLC on XX/XX/XXXX {$350.00} and XX/XX/XXXX {$500.00}, incorrect information on my consumer report never corrected or deleted, refuse to pay refund using fraud scams fake help fake success to gain money.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I contacted Caine & Weiner through the CFPB to try to get validation of this alleged debt. They responded on XX/XX/XXXX saying this : We have reviewed this complaint and our records. The file is for a past due automobile insurance with Progressive. The contract was with our client, Progressive. Caine and Weiner is a debt collector. Our company does not buy debt, we collect on behalf of our client. Our company is obligated to report accurate information to the credit reporting agencies. The initial letter was sent to the consumer XX/XX/XXXX. Validation will be sent today, XX/XX/XXXX, to the address provided in the complaint. The account is currently flagged as 'Disputed ' in our database. We will send a request to the credit reporting agencies to note this account as 'Disputed ' to allow the consumer the opportunity to follow up with our client. This action places a temporary removal of the debt from the consumer 's credit report. since then, the account has never been removed from my report. I think Im being fair giving them 45 days, but this action still hasnt been done. They only sent me the last letter from progressive - that doesnt prove anything to me. They told me to contact Progressive when theyre the one sitting on my report damaging it every single day. The letter they sent over to validate the debt had this is an attempt to collect a debt when validation shouldn't have been an attempt to collect the alleged debt. This company also pulled a soft inquiry on my credit report on XX/XX/XXXX when the account was disputed, therefore making another attempt to collect a debt when they shouldnt have been. I emailed their attorney, XXXX XXXX, advising him of their wrong-doing, on XX/XX/XXXX. My concerns were neglected as I didnt receive a response. Im quite confused why this company isnt complying or stating false statements about removing the account from my report but not doing so, but its very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: MO

Complaint narrative:
Got an email from this fraudulent company and you can clearly see this is a scam saying that my XXXX account doesn't show XXXX and experian says there website doesn't show my XXXX card SCAM SCAM SCAM SCAM SCAM SCAM AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-16 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: TX

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with XXXX XXXX has been paid as of XX/XX/2024 and I would like it removed from all credit bureaus its currently showing as a closed account. Confirmation code is included in document.

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 2024-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against IC System for violating my rights under the Fair Credit Reporting Act ( FCRA ). I believe they have engaged in unfair and deceptive practices in relation to a collection account they placed on my credit report. 

Specific Allegations : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : IC System failed to provide me with the required validation information regarding the alleged debt before placing it on my credit report. This includes details such as the creditor 's name, the date of the debt, and the amount owed. 

Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given a reasonable opportunity to dispute the accuracy of the account before it was reported to credit bureaus. I did not receive a proper billing statement or any communication allowing me to contest the debt. 

Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : IC System reported the account to credit bureaus without providing the necessary disclosures required by law. This includes information about the original creditor, the date of default, and the validation process. 

Potential HIPAA Violation : The alleged debt relates to medical bills, IC System has violated HIPAA regulations by disclosing my protected health information without my authorization. 

Impact : These actions by IC System have caused me significant harm, including : Damage to my credit score : The inaccurate and unverifiable collection account has lowered my credit score, making it difficult to obtain loans and other credit at favorable terms. 
Emotional distress : The unfair and deceptive practices have caused me emotional distress and XXXX 
Financial hardship : The inaccurate information may also limit my ability to secure employment or housing.

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 2024-02-16 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I called to customer service to open a debit card dispute and is impossible to speak with someone, I dont have SSN so the automatd system gets crazy requesting that information. 
There is no way to bypass that request. 

On XX/XX/2024 I tried to get money from an ATM, I tried 3 times to get {$20000.00} but the ATM machin didnt give the money, just made noice like counting the money but didnt get out, the fourth transaction for the same amount the ATM gave the money {$20000.00}. 
So I need to dispute 3 transactions ATM withdraw {$20000.00} each one. 
Only one of those 4 was approved and given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I've been three ( 3 ) Ameican Express gift cards totaling {$170.00}. None of them work at any location -- online or physical -- that I have ever tried. I've reached out to Amex who gives me the same prepared statement that " these cards are accepted by all major retailers ''. They are not. Now I have {$170.00} of useless plastic.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 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: NY

Complaint narrative:
As of XX/XX/XXXX, my credit score was XXXX. As of XX/XX/XXXX, I was alerted by XXXX XXXX that my score dropped by XXXX points. As this caused me great alarm, I looked into it and found that I had been sent to collections at XXXX XXXX XXXX for a bill originating from XXXX XXXX XXXX for in arrears for approximately {$4000.00}. 

I have never ( in my life ) had an account with XXXX XXXX XXXX and believe that this is fraudulent. I submitted a dispute with Equifax who stated that the disputed information was confirmed to be me ; I submitted a dispute with XXXX who deleted this fraud from my credit report. As of this note, I have submitted a fraud claim with XXXX XXXX XXXX and have not heard back from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
As of XX/XX/XXXX, my credit score was XXXX. As of XX/XX/XXXX, I was alerted by XXXX XXXX that my score dropped by XXXX points. As this caused me great alarm, I looked into it and found that I had been sent to collections at Sequium Asset Solutions for a bill originating from XXXX XXXX XXXX for in arrears for approximately {$4000.00}. 

I have never ( in my life ) had an account with XXXX XXXX XXXX and believe that this is fraudulent. I submitted a dispute with XXXX who stated that the disputed information was confirmed to be me ; I submitted a dispute with XXXX who deleted this fraud from my credit report. As of this note, I have submitted a fraud claim with XXXX XXXX XXXX and have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Sears citi credit card is reporting a late on my credit report over a disputed amount I initiated an investigation on approximately XXXX of XXXX. They failed to investigate timely and properly it went into XXXX. Not only did they refund me by paper check I also paid the XXXX in XX/XX/XXXX when they reported me late. I called and spoke to managers and they said they were not going to report anything to the disputed amount to the credit agencies and I trusted that response. My credit is flawless besides this mark and it's has affected my ability to obtain credit, or effected the interest rate at which I obtained credit. I contacted SEARS multiple times and disputed with all three credit agencies SEARS CITI refuses to remove the late claiming its accurate. I offered to send confirmation of payment as well and they refused it as well as requested statements over a month ago and still have not received any. I spoke with many during XXXX over this issue and many gave inaccurate information as well as other information and I was told it would all be corrected, it wasn't.

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 2024-02-16 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and notice I has a fraudulent accounts on my reports, please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
i have 2 accounts that's appearing on my credit report that need to be removed I've made contact with both banks and still they haven't removed them from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
Hello, On XX/XX/2024 I found a used Laptop on XXXX XXXX I wanted to Purchase so sent a message to the seller to try to arrange a purchase. I asked them to send me a picture of my name on the screen of the laptop in word processor. They were able to send me a picture and the laptop in the picture they sent matched the description and the pictures in the for sale posting. I asked the seller what payment service they have and they indicated CashApp and XXXX XXXX. Since I regularly use CashApp we agreed to use it. The total cost of the used laptop and shipping came out to {$340.00}. So I asked the seller if it would be alright if I sent {$100.00} then, and after they shipped the laptop and provided a tracking number I would send the remaining {$240.00}. About an hour later the seller was able to send me a copy of the shipping label and told me they had dropped it off at the post office. At that time I sent the {$240.00} payment to complete the transaction and pay in full. The next morning of XX/XX/2024 I tried to track the package on the USPS website and there was no history of the USPS receiving any packages with that tracking number. I then opened XXXX messenger to ask the seller if there were any problems with the shipping, and I found out their XXXX account was completely deactivated. So I then immediately opened a dispute with CashApp, but their support was not any support for me unfortunately. I thought they would be able to track down the person that scammed me since I thought they had to verify users identity when opening an account on the CashApp platform. Even though I requested to speak to a real CashApp support representative all of the responses I received seemed to come from an automated computer or something. I then called my bank to report the issue since they take Fraud and Scamming as a serious matter. So since CashApp seemed to accept and be ok with scammers and thieves using their platform to do unethical and illegal activities I wanted to report this issue to any agencies that could possibly get CashApp to realize this is a serious problem that is happening on the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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 believe FCRA 605B says wrong accounts should get removed from credit reports. I'm not sure what's going on, but please check the accounts in the documents. They're not right on my credit report, both the accounts and their status. I'm upset and feeling sick about this, so I need your help.

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