vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I contacted the company directly, the company validated that the debt was not mine. The company then stated that if I could confirm that the debt was negatively affecting my credit that the would remove the debt, this statement was made over 60 days ago and the debt is still on my credit report affecting it negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: WA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection/Charge OFf : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
Shared phone number on dating app, got a text with my XXXX  and them logged into my XXXX account threatening to send the photos to my friends list. 

I called what i thought was facebook customer support but was a scam as well and they said they needed to set a trap with XXXX  to catch the hacker and stole XXXX from me and my friends

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no knowledge of this these fraudulent accounts. These accounts are a result of identity theft. I did not physically open these accounts in person at a branch nor did I open these accounts online with the bank. I am a victim of identity theft. These credit card accounts were open without my consent. There was also bank accounts opened in my name using my information obtained from a breach or other sources thieves use to obtain personal information and used to make payments on these accounts. Please remove these accounts from my Experian credit report. I have attached dispute letters along with an FTC identity theft report. & Police 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 2024-10-15 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
This complaint is in regards to the account related to RADIUS GLOBAL SOLUTIONS. This account is directly related to identity theft. The debt collector RADIUS GLOBAL SOLUTIONS purchased a fraudulent account from XXXX XXXX an is now reporting this fraudulent debt to XXXX XXXX XXXX XXXX consumer report. The original creditor XXXX XXXXXXXX XXXXXXXX XXXX is where the collection originally stemmed from. I already filed an ftc report, and CFPB report for the original account for XXXX XXXX which was proven fraudulent and deleted from XXXX XXXX XXXX XXXX consumer report back in XX/XX/year> by XXXX. The debt collector RADIUS GLOBAL SOLUTIONS purchased a fraudulent account and is now attempting to have me pay the fraudulent debt under threat of duress and coercion by reporting the fraudulent debt as a collections account on my experian consumer report. I demand this account be removed immediately due to the fact it is directly related to identity theft having stemmed from the XXXX XXXX account that was identity theft. Failure to delete this fraudulent account 4 days after receipt of this notice will be deemed civil noncompliance under the FCRA. It is not my fault RADIUS GLOBAL SOLUTIONS purchased a fraudulent debt RADIUS GLOBAL SOLUTIONS shouldve done their due dilligence before purchasing the fraudulent debt.

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 2024-10-15 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-15 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-15 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: WA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: PA

Complaint narrative:
Dear CFPB I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

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 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse them of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate delete the accounts below.

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 2024-10-15 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: PA

Complaint narrative:
Dear CFPB I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

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 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse them of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate delete the accounts below.

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 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
The XXXX XXXX XXXX XXXX located in California refunded my overpaid taxes back for tax years XXXX and XXXX to Dovenmuehle Mortgage who is the processor for XXXX XXXX XXXX XXXX. 

All 4 checks we sent to Dovenmuehle Mortgage payment processors XXXX. I receives one refund in XXXX of XXXX. There are still XXXXhree refunds that are due me that they are holding onto and will not send to me. I know this as I contacted the XXXX XXXX controllers office myself and got the information from them. I also got the check numbers and the date that each one of those checks cleared their bank. The information is below : Here is the information provided by the XXXX XXXX XXXX XXXX in California : XXXX. $ XXXX XXXX Tax Year/Check # XXXX their bank XX/XX/XXXX XXXX. $ XXXX XXXX Tax Year RECEIVED/Check # XXXX/Cleared their bank XX/XX/XXXX XXXX. $ XXXX XXXX Tax Year/Check # XXXXCleared their bank XX/XX/XXXX XXXX. $ XXXX XXXX Tax Year/Check # XXXXCleared their bank XX/XX/XXXX Since XX/XX/XXXX I have been in contact with Dovenmuehle Mortgage asking for my other 3 refunds ( item numbers 1, 2 and 4 above ). they have given me the runaround and a supervisor will never call me back even though they have put their request in multiple times since XX/XX/XXXX. I took this issue up with XXXX XXXX XXXX XXXX since they are the service provider for them on their mortgages. XXXX XXXX XXXX XXXX to this date has not been able to Dovenmuehle mortgage to respond. 

At this point I am turning to you for assistance and getting my tax refunds that were paid out of my impound accounts when my loan was being serviced by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: CA

Complaint narrative:
There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.

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 2024-10-15 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I consolidated my federal student loans with XXXX. XXXX and XXXX are still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-15 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: WI

Complaint narrative:
Experian has place 3 collection accounts on my report without my permission. The accounts in question from XXXX XXXX XXXX have not been verified. I have not received any information from XXXX XXXX that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following.

1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The XXXX  with the original creditor.

7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
AMERICAN EXPRESS NATIONAL BANK used fraudulent debt collection practices.

1. AMERICAN EXPRESS NATIONAL BANK initial civil summons complaint document filed with the court on XX/XX/XXXX, used deceptive forms and misleading representation when complaint was signed as : 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 a violation of 15 USC $ 1692e ( 3 ). False or misleading representationsA debt collector may not use any false, deceptive, or misleading representation or means in connection with the collecton of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

Since XX/XX/XXXX American Express and XXXX XXXX XXXXXXXX have failed to respond to the defendant 's affidavit and motion to vacate the default judgment and to provide the court with a completed and valid IRS Form 1099-C in the sum of {$14000.00} within 30 calendar days of receipt of the defendant 's USPS-certified mail , all references to this account must be deleted and completely removed from the XXXX XXXX XXXX records , my consumer credit file and a copy of such deletions shall be delivered to the defendant within 30 calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: AL

Complaint narrative:
On XX/XX/XXXX I noticed transaction on my account at night. The transactions posted the fooosing day on XX/XX/XXXX. I submitted a request to have my card frozen. The next day on XX/XX/XXXX I contacted the fraud team to let them know my card has been used for a total of {$5000.00} for XXXX transactions of {$1000.00}, {$2000.00}, and {$2000.00}. 

On XX/XX/XXXX I received a response that my claim was denied because I submitted the dispute AFTER the transaction occurred. 
This is not possible and it was perhaps because it was posted the same day I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally submit a complaint regarding Equifaxs refusal to grant me access to my My Equifax account despite my multiple attempts to verify my identity and comply with their requests. 
Over the past several months, I have sent all required documentation to verify my identity on multiple occasions. This documentation has been sent via certified mail, which has proven to be both time-consuming and costly for me. Despite having proof of delivery, Equifax continues to claim they have not received the information. 
This ongoing issue has caused significant frustration, as I have followed every protocol they have requested, yet I still do not have access to my account. I am concerned about the lack of response and transparency from Equifax, especially considering the sensitive nature of my personal information. 
I am seeking your assistance to resolve this matter, as I am unsure what further steps I can take to gain access to my account and address any potential errors in my credit file. 
Please let me know if any additional information is needed to assist with this inquiry. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company is harassing me and reposting inaccurate credit reports can harm a consumer 's ability to get loans, the interest rates they qualify for, and their employment prospects.

Company response to consumer: Closed with explanation