vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a current mortgage loan with XXXX XXXX XXXX I am current for all payment, I haven't missed any payment at all. XXXX XXXX XXXX  number is XXXX the address of the property is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

We have received a defective notice of the XXXX  initiation on XX/XX/year> and recording from the XXXXXXXX XXXX  XXXX and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

We tried to reach them unsuccessfully, they never filed any declaration or statement with the recording and falsely stated that it is exempt from declaration due to any unknown 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 2024-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems refuse the validate the debt they have been reporting on my credit reports with XXXX and XXXX. They keep sending a lease that does not contain my ink signed signature and move out state that I never received for the alleged debt. They have not provide anything with their name and the leasing company stating they are the rightful owners or agent to collect on a debt or report a debt on my credit reports. National Credit System being a third party collection agency have be non compliant with the FDCPA, they are reporting and activity trying to go after a debt that has not been properly validated, bares my Ink Signature and is within the legal State limitations which is 6 years in the state of Georgia. The debt reporting is illegitimate and should be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply concerned by the lack of responsibility shown in addressing the inaccuracies on my account. When will XXXX correct the erroneous information on these accounts which are appearing on my personal credit file? Despite my repeated requests over the past months, no action has been taken. Please cease any delaying tactics and rectify the accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated previously, under the Fair Credit Reporting Act, 15 U.S.C. Section 1681i, you are required to reinvestigate and update these disputed accounts. Please provide me with the names and addresses of the persons contacted. According to 15 U.S.C. Section 1681i ( 5 ) ( A ), you have fifteen ( 15 ) days from receipt of this letter to complete these actions unless you notify me otherwise. Failure to verify within this timeframe will be considered non-verification, and the accounts must be promptly updated in accordance with Section 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I need cash app to send me all of my statements from the year XXXX and XXXX. I want the statements to show my remaining balance after each transaction On XXXX XXXX I sent a payment via cash app to XXXX XXXX. He declined the payment and Cash app claims to have refunded me my {$170.00} to my card ending In XXXX I have uploaded my bank statements from my card XXXX CASH APP HAS NEVER REFUNDED ME MY MONEY. 


I will contact the news media and escalate this. I suspect Cash app continually steals from people

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: NY

Complaint narrative:
I reviewed my consumer reports and noticed that XXXXXXXX XXXX ACCOUNT # XXXX i had a late payment on an account that i was never late for.The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that i have included in the screenshot inside this complaint in on the date of XXXX.Please investigate and provide proof with a statement showing that this payment was late.If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late.Thanks! Please see screenshot attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
The following is a copy of a letter that I have sent to Equifax via Certified mail. 



XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX ) XXXXXXXX XXXX XXXX  XXXX # : XXXX Unverified Account XXXX ) XXXX XXXXXXXX XXXX 
XXXX # : XXXX Unverified Account * Please remove all non account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am unable to remove my security freeze, because Experian will not allow me to. Both the app and webpage state that my status is not found, but my information is available on every other part of app, such as, credit rating and login in credentials. Also, I was directed to this website https : //usa.experian.com/member/security-freeze On this website the most obvious choice was to register for a paid membership, with a payment form prominently displayed. It was all the way on the bottom of the page that I finally found the link to access my legal right to control my credit freeze, and when I clicked on it, I got the message about my status not found.

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 2024-05-18 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: CITIBANK, N.A.
State: NC

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE XXXX  IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).

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 2024-05-18 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:
According to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.

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 2024-05-18 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: MI

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2024-05-18 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: CA

Complaint narrative:
The following is a copy of a letter I sent to Experian via certified mail. 


XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA. XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Hello, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

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 Please remove all non account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank You, 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 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed a hard inquiry on my credit report at XXXX from XXXX XXXX XXXX ) on XX/XX/2024, I called them the next morning to let them know it was unauthorized and I never applied for a credit card through them. They took my information and said they would start an investigation here we are in XXXX no investigation was ever done and hard inquiry is still on my 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 2024-05-18 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: GA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00}

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 2024-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notification that my Credit Karma Save account had been frozen. This account was open for a decent period of time and has been receiving automatic distributions to it from my employer. I got on a chat to see why it was frozen and the agent told me they could not tell me via chat but that it was under investigation and that I could also call. I went on with my day but upon further research I began to see horror stories of credit Karma doing this to others, freezing their account and refusing to justify the reason or release any funds. 

I decided to call XXXX XXXX who is their partner bank and XXXX  would not release any information to me despite my money sitting frozen in one of their accounts. They referred me to credit Karma. 

I called credit Karma on XX/XX/XXXX to see a resolution. The call agent could not help so I requested a manager. Upon talking to the supervisor they refused to transfer me to the investigation department nor would he give me a timeframe in which I would be notified. Some of the stories I read have been waiting months with no resolution. I explain this and he hangs up on me. 

I call back and speak with " XXXX '' whom can not provide any name or ID number to identify themselves. They give the same answer as above but this time will not transfer me to a supervisor stating that they are busy, I say that I will wait so she tries again and then proceeds to tell me that they left for the day. I tell her she is lying to which she apologizes and tries again. Refusual again. This cycle continues with 0 information for multiple other calls. They say they will add a note to my file but can not actually give me proof or provide any ticket numbers or anything. 

Needless to say I have XXXX of dollars now tied up with credit karma and XXXX XXXX  that they will not release nor give a reason as to why they are holding it. I was saving it for a vacation to XXXX in less than 2 weeks and I now can not pay for it. Totally INSANE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have recently become aware of a balance of {$950.00}, which according to your records was placed for collection. I am unaware of this debt and did not have an opportunity to dispute this information previously. If you believe that you have provided me with proper notification regarding this debt, I request that you provide me with certified receipts that include my name and signature confirming that I received such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a current mortgage loan with Rocket Mortgage LLC, I am current for all payment, I haven't missed any payment at all. Rocket Mortgage Loan number is XXXX the address of the property is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

We have received a defective notice of the foreclosure initiation on XX/XX/year> and recording from the Rocket Mortgage LLC and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

We tried to reach them unsuccessfully, they never filed any declaration or statement with the recording and falsely stated that it is exempt from declaration due to any unknown XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : {$130000.00}

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 2024-05-18 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: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance Owed : {$130000.00}

Company response to consumer: Closed with explanation