vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: FourLeaf Federal Credit Union
State: AZ

Complaint narrative:
Since XX/XX/XXXX I have been able to make additional principal payments on my Heloc. 
From XX/XX/XXXX, I am now NOT ALLOWED to make additional principal payments from either the app or website. 
I called and was advised that Bethpage now prohibits additional principal payments on their Heloc accounts.

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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
I returned a product in store got the return receipt, nothing was refunded as I did use a third party payment Afterpay I submitted a ticket to process my refund providing the return receipt but no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-04-02 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: OH

Complaint narrative:
Hello I pulled my credit report on XXXX XXXX I have numerus number of unauthorized inquires on my report. 

You sent a response in the last complaint that XXXX removed the information, but nothing was done I did not authorize these inquires below that are reporting on my Experian credit report : 1. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX XX/XX/XXXX 2. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 3. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 4. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX on XXXX, XXXX 5. An unauthorized inquiry was made by XXXX XXXX XXXX XXXX on XXXX, XXXX 6. An unauthorized inquiry was made by XXXX XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX 7. An unauthorized inquiry was made by XXXX XXXX on XXXX, XXXX 8. An unauthorized inquiry was made by XXXX XXXX XXXX on XX/XX/XXXX Please remove these unauthorized accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
update the following accounts on my credit report. according to the FCRA credit guidelines. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
update the following accounts on my credit report. according to the FCRA credit guidelines. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: GA

Complaint narrative:
update the following accounts on my credit report. according to the FCRA credit guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This debt buyer/collector has posted debt on my credit reports that I have no knowledge of. As of today, XX/XX/24, I have yet to receive anything from them by mail, especially validation of the debt that I have requested twice in the past several months. This company has been constantly calling me for almost a year now. I block the numbers, yet they keep calling from a different number. Most of the numbers are robo calls from spoofed numbers appearing to be local numbers from my area code. I answer a call on XX/XX/24, after a long pause, someone finally came on the line, advised me the call was recorded. I specifically told them I will not conduct any business over the phone, only in writing, and to stop and cease calling me. I also requested validation of any debt I allegedly owe. I was told by the person they will mark it to stop calling. Then the calls started again on XX/XX/24, then again on XX/XX/24. I answered again. Again after long pause, someone speaks, tells me I am on recorded line. Again, I state I will not conduct any business over the phone, only in writing, again I requested validation of alleged debt, stated I am on the do not call registry, and to stop calling. I also stated if called again, then I would get my attorney involved. Was told by person on phone that they will mark it as cease and desist, and wont call anymore. No calls since XX/XX/24 until today, XX/XX/24, I receive another call from them, I answer, long pause, but no one says anything, then when I am about to hang up, someone says " call answered, no response. '', and hangs up. This is getting ridiculous. As of today XX/XX/24, no validation of this so called debt, and more phone calls after 2 times of requesting to stop. Past calls received as follows : Always mostly during my work hours, sometimes on weekends. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is as far back as my current phone log will go.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX  XXXX  XX/XX/XXXX my phone was stolen around XXXX. The perpetrator had access to my digital wallet on my phone including my Chase Debit made several fraudulent charges that include : XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX XXXX XXXXXXXX XXXX Payment to XXXX XXXX XXXX {$2000.00} I called the Chase to let them know my phone was stolen and they made me aware of XXXX XXXX  charges and they flagged it. I call again the same day XX/XX/XXXX to see if there are any other attempts they notify me that XXXX payment was blocked. XX/XX/XXXX I also go into Chase bank in the XXXX location to notify them. Three separations occasions where Chase has been made aware my phone device was stolen and they advised they will lock my account until I call to unlock and I will be reimbursed for everything. 

XX/XX/XXXX I find out that my XXXX payment was never reimbursed. The manager at the fraud said that it was an " authorized '' payment on my device therefore it went through. The manager XXXX said they have no record on file that my phone was stolen despite my calling XXXX separate times and also going into the Chase bank in person. I provided a screenshot from my XXXX XXXX XXXX XXXX that my phone was reported lost the same day of XX/XX/XXXX and the XXXX payment is under review again. I have not been able to pay my rent because of these fraudulent charges. 

XX/XX/XXXX Chase sends me a new letter that my XXXX XXXX payments that were reimbursed will not be deducted from my account because they were " authorized '' charges on a known device that I reported stolen. A police report was also made of the stolen I-phone and fraudulent charges at the XXXXXXXX XXXX prescient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my cash app was hacked. The hacker somehow changed my email and my phone number completely locking me out of the account. They then proceeded to send {$1900.00} from my cash app balance to their account and an additional {$1100.00} from the bank account I had attached to my cash app account. I immediately filed a police report and disputed all charges with cash app. Today XX/XX/XXXX I received an ema from cash app stating they denied my claim because they believe the transaction was authorized. Despite me telling them multiple times I have proof of being hacked AND a police report. They refuse to see any evidence or give me a refund. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

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 2024-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: LA

Complaint narrative:
When I acquired this number while living in XXXX, I believe the person who used to have this number was still using it fraudulently. I believe his name is XXXX XXXX. People with middle eastern voices would call and leave voicemails and texts about jobs repeatedly. I ignored most of them, but I am getting annoyed with these debt collectors asking about this XXXX XXXX tied to this number. The last debt collector was Unifin. I called them and told them this is not XXXX and they immediately wrote it off as a wrong number. If I can I will send attachments of the texts and/or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Will not live freeze off my credit report. Ive made several complaints to no avail. Anywhere I apply for credit. Im getting an error message saying that my credit report is frozen. TransUnion refuses to look into the issue that it may be aWill not live freeze off my credit report. Ive made several complaints to no avail. Anywhere I apply for credit. Im getting a error message saying that my credit report is frozen. TransUnion refuses to look into the issue that it may be a technical one that I nor customer service Can take care of

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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was told, essentially, that my account was closed because of returned payments. Returned payments at the past had been at Wells Fargo own direction. I said that I made a mistake, and they told me to cal my bank and stop payment. I was simply following Well 's Fargo directions. Then this month I had a returned payment while I was overseas and in the hospital. I had no idea there was an issue with my payment and bank account. I want my account reopened. I do not want to apply for a new card. My account never should have been closed. I am disgusted with how I have been treated by your company. I have called multiple times to have this resolved, but your bankers have been completely unable to help me. In addition, I am willing to pay off the balance in full on the condition that my account is reopened or a new account is immediately reopened in my name. I will not reapply again, because my account should never have been closed. And please don't hide behind the excuse that " Wells Fargo can close an account for any reason ''. I don't care. I've spent thousands on this card and made many successful payments. I can pay off the balance in full, but my credit card or a new credit card better be reopened. To be treated this way, it is clear to me why so many people avoid well Fargo.

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 2024-04-02 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 am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: NC

Complaint narrative:
According to the FCRA, when a consumer disputes information and provides evidence proving the inaccuracy, the furnisher has certain obligations. The furnisher must conduct a reasonable investigation into the disputed information [ 1 ]. This investigation involves reviewing all relevant information provided by the consumer with the dispute notice [ 1 ]. The furnisher is also required to complete its investigation and report the results to you before the expiration of the specified time period [ 1 ]. If the investigation finds that the reported information is inaccurate, the furnisher must promptly notify the consumer reporting agency and provide any necessary corrections [ 2 ].

In my case, I have taken the necessary steps to address the fraudulent bankruptcy on my credit file by opting out of XXXX, and placing a security freeze, disputing the bankruptcy, and obtaining written confirmation from the court that they do not provide information to credit agencies or third parties [ 6 ]. According to the FCRA, the furnisher should have conducted a reasonable investigation into this dispute and taken appropriate action based on the evidence provided [ 1 ] [ 2 ]. It appears that the furnisher may not have fulfilled their obligations in this regard.

I understand the importance of accurate credit information and its impact on my financial well-being. I was recommended filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to escalate 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 non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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 2024-04-02 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: PA

Complaint narrative:
I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: OH

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a 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 2024-04-02 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: NY

Complaint narrative:
I have incorrect inquiries, never authorize did Business with companies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint ID XXXX that LVNV Funding LLC violated my consumer rights by reporting an alleged debt without giving proper notification of this alleged debt for me to dispute before reporting to the CRA 's XXXX LVNV Funding LLC was asked to provide a copy of the Certified Mail Receipt with the delivery and receipt of all disclosures and documentation that was sent prior to reporting account number XXXX to the Consumer Reporting Agencies. As of this date XX/XX/XXXX and the response to the CFPB, they have failed to do so. Simply uploading a letter does not show verification that you followed the laws according to the FDCPA before reporting this alleged debt. The letter could be generated and dated for any date, but this does not show proof of receipt or delivery on your behave before initial reporting. LVNV Funding LLC you have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. You have not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). LVNV Funding LLC you have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). ( see attached ) LVNV Funding LLC, you are violating my consumer rights by attempting to collect on an unsubstantiated debt. Upon receipt of this complaint, upload a copy of the Certified Mail Receipt verifying you followed all the federal laws in accordance with the FDCPA by providing notice of this alleged debt before you reported it. Also provide me a copy of the purchase agreement between you and the original creditor of this alleged debt.

Company response to consumer: Closed with explanation