vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I acquired a HVAC and heating unit for my home on XX/XX/year> and was given one year Guarantee to be able to return from XXXX XXXX XXXX XXXX department. When a third-party company installed my appliances, they didn't properly take care of my attic and was damaged. they sent someone to fix ceiling and did a poorly not matching color job. During the trial period I called for service since I was sold a five-year warranty, but they couldn't provide service quick enough since it was during summertime. I realized this wasn't a reliable company and not satisfied at all with products, price or service. I started contacting XXXX XXXX customer service and Right time home services about canceling contract since I was within the trial time frame in XXXX. Then called them in XXXX several times and even went to XXXX XXXX store in person and was told that someone was going to contact me, but nobody has tried to assist me with my return. I also tried customer care department via email, and they haven't returned my call or emails. Also, the finance company is being harassing me even came to my job and dropped off a collection letter. I was paying them a monthly payment, but I advised them that I was cancelling my contract, and they took a complaint report but haven't respected my request to stop billing and said to me that they paid my loan to XXXX XXXX and have nothing to do with the return decisions.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I HAVE BEEN A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE OR OPEN THE ACCOUNTS LISTED BELOW. MY INFORMATION HAS BEEN EXPOSED IN SEVERAL DATA BREACHES AS WELL. I'M WORKING WITH THE LOCAL XXXX AND XXXX XXXX XXXX XXXX XXXX TO PROSECUTE AND PRESS CHARGES. I WILL ALSO BE SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 AND SECTION 617 THESE ACCOUNTS WILL BE PENDING LITIGATION. I'M TRYING TO PURCHASE A HOME AND THESE ACCOUNTS ARE HINDERING ME FROM DOING SO. THE NAME IS NOT EVEN SPELLED CORRECTLY ON THE INFORMATION THEY HAVE NEVER STAYED AT THE ADDRESS THEY HAVE ON FILE. I WAS INCARCERATED WHEN THEY SAID THEY TALKED TO ME AND HAVE VOICE RECORDINGS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AL

Complaint narrative:
During the lockdown and pandemic during XXXX and XXXX, I received a XXXX loan due to being XXXX and needed to take care of my family. The XXXX loan was deposited into my Chime account that I had at the time. Due to merely receiving a XXXX  loan deposit, despite me explaining I am XXXX, they closed my account around 5 days after the XXXX  loan was deposited. Since that time, I have tried to open a new account with Chime and get no reason whatsoever to why I am unable to open a new account. I have discovered that there are others who had the same situation as myself who have been allowed to open new accounts with Chime. I find their generic responses and immediate denial to me to be discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, An account opened at XXXX XXXX on XX/XX/XXXX XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

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 2025-01-07 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: TX

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 explanation
Consumer complaint received 2025-01-07 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 am writing to formally dispute several unauthorized credit inquiries appearing on my credit report. These inquiries were made without my consent, and I believe they are a result of my personal information being leaked on the dark web. I am requesting the immediate removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-01-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 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 XXXXXX/XX/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 2025-01-07 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:
Consumer Name : XXXX XXXX XXXX XXXX  Social Security XXXX : XXXX Consumer Date of Birth : ( XXXX ) Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$1400.00} charged off and past due. 
Description : This account was fraudulently opened in my name and has been reported as charged off. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$0.00} ( account closed with XXXX late payment ). 
Description : This account was fraudulently opened in my name and includes a late payment that does not belong to me. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$3300.00} charged off and past due. 
Description : This account was fraudulently opened in my name and has been reported as charged off. 

These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. These accounts, collections, and hard inquiries were not opened, made, or initiated by me and are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NJ, XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Fraudulent Information on My Credit Report Due to Data Breach Dear Equifax Customer Service , I am writing to formally dispute inaccuracies on my credit report resulting from the data breach that occurred in XXXX. I believe that some of the information currently on my credit report is a result of fraudulent activity, and I request that these inaccuracies be investigated and corrected as soon as possible.

Specifically, I noticed the following items on my credit report that I believe may have been affected by the Equifax data breach 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  These items may have been created as a result of identity theft or unauthorized activity due to the breach. I ask that you review my credit report and take the necessary steps to investigate these discrepancies.

I request that you take the following actions : Review the listed accounts and remove any fraudulent items resulting from the breach.

Provide me with the outcome of your investigation and a corrected copy of my credit report.

Enclosed are copies of my identification documents ( e.g., drivers license, Social Security card, and proof of address ) to verify my identity. Additionally, I have included any relevant documentation supporting my claim ( e.g., a copy of the data breach notification, police reports, or fraud alerts ). 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you have a duty to investigate my dispute within 30 days. Please notify me in writing regarding the status of your investigation. 

If you need any additional information to process this dispute, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I bought my house in XXXX. Freedom Mortgage bought my Mortgage in XXXX of XXXX. At the time my Mortgage payment was {$1000.00} a month. They immediately started calling me to reduce my Mortgage by reducing the amount I put into my escrow account. After months of them calling i agreed under protest to stop the calls. They reduced my Mortgage to {$980.00} a month. Later they mailed me a refund saying I payed to much into my escrow account. Because I live in California I have XXXX insurance policies. The California fair plan and XXXX. Had to keep fighting with them to pay both because they only pay one or the other. Usually just the XXXX because it's cheaper. In XXXX they called me saying I didn't have enough in the escrow and that I owed them because they paid taxes and insurance. I argued that because they messed with my escrow ( which is a account I have no access to ) that is their error and I am not responsible for paying for their error. They have raised my Mortgage to {$1200.00} a month. I am on XXXX and only make {$1700.00} a month. That doesn't leave me enough to survive.

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App : XX/XX/year> {$25.00} paid XX/XX/year> {$50.00} declined XX/XX/year> {$62.00} declined These are the initial transactions I don't recognize. I contacted Cash App. I gave them this info. Cash App then abruptly closed my account without notice, without an exact reason. The reason given from Cash App to me on several occasions was the following : " Your Cash App account was closed because of activity that goes against our terms of service. '' However, when I challenged them on the " activity '' they were referring to, I was stonewalled. They're reps were unable to give me an answer on what it was that I did to have my account closed. During the time this happened, I had just gone through a divorce due to XXXX. My ex had drained our joint account with our regular bank, & this was the debt card I was able to get & use at that time. It was very convenient. I still have XXXX in Cash App but am unable to get it out bc I cant attach my new bank to my closed cash app. 
No one at Cash App will assist. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CA

Complaint narrative:
This is a complaint against XXXX XXXXEXPERIAN . My problem started when I purchased a house located at XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. I never lived at this address, as soon as I bought it I put it up for rent starting in XX/XX/XXXX. I don't know at what point someone used my name to open accounts at different banking entities, they also opened accounts with XXXX XXXX without my consent. I contacted XXXX XXXX XXXX about this loan fraudulently and repeatedly called the XXXX XXXX fraud department/ but they did not give me any information about the account. They say they do not have any information because the account was closed and they gave me the phone number for the XXXX XXXX XXXX department. When I called that number l asked them if they had any type of document signed by me XXXX XXXX that confirmed my identity or if they could verify any information about my ID that I might have on my profile. I also asked what the name and address was on the ID. where the card was used or if they could confirm which bank the loan money was transferred to and the name of the bank account. They also stole my identity and underwent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please, these criminals took my identity and destroyed it in the banking institutions. My family and I worked very hard to get out. This horrible dream began when I bought an investment house. Please help me. 

XXXX XXXX is trying to link the credit account to my actual address. The address link to the fraudulent account is XXXX XXXX XXXX XXXX CA XXXX. I contacted XXXX XXXX in the past and they did not have any proof or document of a credit account opened with my real address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 
I also contacted with XXXX XXXX and they also do not have any document or proof that it was me who opened a line of credit. They only had the record that l opened a bank account with them. They could not provide any proof of my identity to confirm that it was me who opened a credit card. 
I'm requesting these fraudulent accounts to be removed from my credit report. I'm attaching my apartment contract with my address since XXXX and my utility bill with the same address.

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