vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: AZ

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
I have a collection on my credit from this company that is not mine. I called the company to have it removed but they wouldnt. It seems to be a utility bill out of texas and i dont live there and have never even been.

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 2024-12-20 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: NJ

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-12-20 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was given a XXXX Amex gift card as a XXXX gift for the company that I work for that had {$250.00}. Since getting the card I have tried to place a chipotle order ( 6 times which took {$0.00} out of it each time ), an XXXX order ( 5 times which took another {$0.00} ), and a XXXX  XXXX order. The card was declined each time and I am unsure why. I have searched up if this has happened to anyone else with an Amex XXXX gift card and saw that this is normal for them. Almost everyone who has one is unable to buy anything with their card and their money has been stuck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed the XXXX XXXX balance reported on my credit report by XXXX XXXX. Instead of fixing the error, Experian now reports that I carried a balance on the card of {$7400.00}. This is completely false. I made one in store purchase when I opened the account in the store of less than {$100.00}. I paid the balance in full and never activated the card when it arrived in the mail. I have been trying to get XXXX to fix this error and complained to Experian. Experian is now reporting I carried a {$7400.00} balance on the card which is completely false. I am trying to buy a car and can not do so because of XXXX XXXX  lying and Experian now joining in on the lies. I have ONE negative mark killng my XXXX XXXX -- all because of XXXX  and NOW Experian is perpetrating the fraud. I never carried a balance on the card. NEVER. I pay all my credits cards each month in full unless there is 0 % interest. XXXX is lying and so is Experian. No one will provide any proof. They are trying to extort money from me because there stupid {$40.00} charge in lying fees is now costing me thousands because I can not get a car loan. PLEASE ACTUALLY DO SOMETHING ABOUT THIS. I AM A SINGLE MOTHER TRYING TO PUT MY KIDS THROUGH SCHOOL. I AM TIRED OF ONLINE COMPLAINTS AND NOTHING GETS FIXED -- IT JUST GETS WORSE!!!

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 2024-12-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
This what I emailed mortgage company. 

I have reached out to village capital numerous times and I have not yet since XX/XX/XXXX got a response or correction on my mortgage. I have made my payments every month and Never been late! I always pay at the end of each month so it would apply to the next month payment by XXXX and somehow you have me as missing payments and accessing late fees to my loan. This all came about after my buy down fell off in XXXX. My payments were {$1600.00} at the start of my loan in XX/XX/XXXX with buydown. Then, you said I was short in my XXXX escrow analysis by {$380.00} so you said you had to add {$31.00} to my payments starting XX/XX/XXXX until XX/XX/XXXX. But you added {$96.00} the difference amount and that brought my payment up to {$1700.00}. Now, when the buydown fell off, my payment went to {$1800.00} because {$140.00} was added back because buydown drop off. OK the problem came when in XXXX you added {$140.00} back again on to my now {$1800.00} payment making look like a {$140.00} was credit again so it showed {$2000.00} in payments from XXXX XXXX. I brought that to your attention and now it's showing misapplication reversal on my payments all the back from XXXX and it's saying I'm late now from XX/XX/XXXX when I'm not late at all. You added a {$55.00} late charge assessment and would you please go back manually look at the payments you will see I payed at the end of every month so it would be applied to first of following month. Please, correct your mistakes and remove {$55.00} late charge. If this has been reported recently to credit bureau please update that also that I'm up to date. I also have bank statements that shows I made all my payments on time, every month, and before due date. It has been almost 30 days since I first reached out about this problem and I hope this is corrected in a timely manner. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-12-20 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA 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 XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address a matter of noncompliance by the credit bureau concerning accounts currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in Englehardt v. Gravens ( Mo ) 281 SW 715, 719, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. To date, the bureau has neither removed the disputed items from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CapitalJ Inc. dba Juno
State: NY

Complaint narrative:
On XX/XX/XXXX via Juno Financials XXXX XXXX XXXXXXXX online complaint form I submitted a formal request to XXXX under Notice of Error Under Regulation E ( 12 CFR 1005.11 ) as to the transaction history of my missing {$43000.00} from Juno XXXX and Synapse Brokerage. 

On XX/XX/XXXX I received a reply from XXXX stating : " Dear User, This is to acknowledge that your complaint has been received. Our compliance officer will investigate the issue and provide a resolution within 15 days. We will reach out to you in case further information is required from your end. '' This did not follow the 10 business days as stated Under Regulation E, however I waited the 15 days. On the the XXXX Day, XX/XX/XXXX I emailed them asking for an update, and warning them I would file a formal complaint to the CFPB if they did not reply. They have not replied. 

This is what I emailed XXXX on XX/XX/XXXX : " Hello Team Juno, It has been 15 days now and I still have not received a response besides your acknowledgement of receipt. If I do not receive a response by end of day tomorrow I will be forced to escalate this with the CFPB. 

As a reminder of what I have formally requested under Notice of Error Under Regulation E ( 12 CFR 1005.11 ).

Documentation and Follow-Up If the investigation concludes no error occurred, I formally request access to all documents and evidence used in your determination, as permitted under 12 CFR 1005.11 ( d ) ( 1 ). I also request a detailed account of the steps Juno Financial has taken to investigate this matter, including but not limited to : Records reviewed within Juno XXXX 's systems. 
Attempts to retrieve data from Synapse and records reviewed from XXXX. 
Evidence of coordination with other partner banks ( e.g., XXXX Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX that may have been involved in handling these funds, as evidenced by Evolve Banks XX/XX/XXXX Reconciliation Update showing screenshots of XXXX transfers to other partner banks. 
A timeline of all investigative steps taken to resolve this matter. 
Failure to provide this information would indicate a lack of transparency and diligence in the investigation. 

Escalation and Potential Penalties Should Juno XXXX fail to comply with its obligations under Regulation XXXX, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and request a formal investigation. Non-compliance may result in significant regulatory penalties, including fines of up to {$5000.00} per day for violations, or higher for reckless or knowing violations. Additionally, I reserve the right to seek statutory damages, including up to {$1000.00} per violation, and to request a regulatory investigation into this matter. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

Best, XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report dated XX/XX/year>. These inquiries were made without my knowledge or authorization, violating 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). The specific inquiries are : XXXX XXXX XXXX XXXX Date : XX/XX/year>, XX/XX/year>, XX/XX/year>. 

XXXX XXXX XXXX XXXX Date : XX/XX/year>. 

XXXX XXXX Associates XXXX Date : XX/XX/year>. 

These inquiries were not authorized by me, nor did I initiate any transactions or receive services related to them. Under the FCRA, I request that you : Investigate these inquiries and provide documentation of my authorization. 

Remove any unauthorized inquiries 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 non-monetary relief
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
DEPT OF EDUCATIONXXXX XXXX Balance : {$4400.00}, DEPT OF EDUCATIONXXXX XXXX XXXX : {$2500.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: AMERICAN EXPRESS COMPANY
State: WY

Complaint narrative:
I was trying to get a loan through American Express, and they contacted me and I answered and they wanted all my information which I thought was normal, well they sent me XXXX $ and they wanted me to send it back and then they would send me 2000 and I told them I was fine with XXXX and a couple days later my bank was negative XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so, XXXX refused to accept payment over the phone and agreed they made the error.. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX

Company response to consumer: Closed with explanation