vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have a mortgage through Select Portfolio Servicing. 
In XXXX of 2024 They called me and asked if i would like to for go making XXXX and XXXX 's Mortgage payment, due to the fact that we are in a disaster area from the hurricanes in FL. I reluctantly accepted, and asked specifically if my credit would be harmed. They ensured me that it would not. 
There was no action needed on my part, as my mortgages are automatically deducted from my checking account on auto pay. They did not take XXXX payment, i had forgotten about the Forbearance, and called them again and asked them why they did not take payment in XXXX, they reminded me of the forbearance plan, and said that they would need the account current in XXXX. I agreed. 
I am in the middle of a very important loan request for XXXX, and i had my credit pulled and my credit score had dropped XXXX Points in XXXX because SPS had reported my mortgage payment late. I have tried to call and reach out by phone and email, they are giving me the run around. They have refused so far, as to even provide me a letter stating that they made a mistake. I need my credit report fixed asap. They have caused great financial harm to me and my business, by reporting FALSE information to the credit Bureaus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: NJ

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. 
XXXX  XXXX Bankruptcy : # XXXX, XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 2025-01-21 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: NV

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Iv submitted a complaint in hopes that the bank in question would help me. Iv recieved one phone call and was promptly hung up on when I answered. No attempt at a return call, no email and no correspondence in regards to. Iv spent the entire day today. XX/XX/year> driving to several branches of suncoast and spent hours of my work day attempting to contact this bank. All these attempts were documented by bank staff. Everyone iv spoken with have absolutely in no way tried to help me. All they do is say sorry nothing we can do. This is absurd to say the least. I am in no way responsible for a returned check from a home owner. These things happen when your doing business. Iv included the details in my previous complaint. This new complaint is for the absolute disregard for me and my company and all the damage this bank is doing to it as a result of. They could care less that there in-ability to handle fruad is being placed on there customers. They say it's the system. It's not there fault. In the mean time my accounts are in the negative. I can't cash checks. I can't pay my employees. I can't even work because I don't have money to buy materials or even gas with!! All the while I spend countless hours of life and time trying to do there job! 
I need this bank to be aggressively pursuing this matter! I need this bank to go above and beyond to correct there mistakes! I need this be held accountable for there mis managent of there customers accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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.

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 2025-01-21 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
Prior to the Biden administration departing, there was a law signed into the constitution that states collections agencies can not report medical collections to your credit bureau making it hard for you to obtain loans mortgage etc. I notified all three credit bureau in which I filed disputes requesting that this information be removed. I haven't heard back any of them, but I have noticed my credit scores decreased by 60 or more points.This is an unfair credit reporting issue which violated my rights under the FCRA. I believe this was direct retaliation for submitting the disputes. Please help me resolve this as I'm doing everything I can do to bring my scores back up to buy a home in the spring and this is negatively impacting me as an AAW. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
Prior to the Biden administration departing, there was a law signed into the constitution that states collections agencies can not report medical collections to your credit bureau making it hard for you to obtain loans mortgage etc. I notified all three credit bureau in which I filed disputes requesting that this information be removed. I haven't heard back any of them, but I have noticed my credit scores decreased by 60 or more points.This is an unfair credit reporting issue which violated my rights under the FCRA. I believe this was direct retaliation for submitting the disputes. Please help me resolve this as I'm doing everything I can do to bring my scores back up to buy a home in the spring and this is negatively impacting me as an AAW. 
Thank you.

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays is refusing to remove false information from my personal credit report, despite the fact that it stems from credit card fraud. Instead of correcting the error, they continue to redirect me between the Office of the President and the Fraud Department without providing any real resolution. I have submitted all required documentation, yet the issue remains unresolved. 

While I did open the credit card, I have not made any transactions since XXXX XXXX. Despite clearly explaining this to Barclays, they persist in requesting details about specific transactions from the statements. I have already informed the Office of the President that the card was stolen by a former employee, who also took control of my online accountpreventing me from making payments, viewing my statements, or using the card. 

Although I have reported this fraud to the police, filed multiple CFPB complaints, disputed the account with all major credit bureaus, and successfully had it removed from XXXX, Barclays continues to deny the fraud claim. Given the clear evidence and ongoing efforts to resolve the matter, this inaccurate credit card account must be removed from my credit report immediately.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are fraudulent items on my credit report resulting from the unauthorized use of my personal information, and I have not benefited in any way from these transactions. Fully understanding the seriousness of the situation, I immediately reported the fraud to the Federal Trade Commission, hoping for a swift resolution. However, despite taking all the proper steps and notifying the appropriate authorities, these unauthorized items remain on my credit report. The continued presence of these fraudulent entries is not only frustrating but deeply disheartening. I am forced to deal with the unfair consequences of someone else misusing my information, which is taking a toll on both my financial stability and emotional well-being.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my Equifax, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had XXXX Chase sapphire accounts that were all closed in XXXX. I have yet to receive any of my funds to date. I have a total of {$3100.00} which I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Continuation of Complaint XXXX : I counted on the deposit amount which got delayed by 18 days for no reason ( see complaint XXXX ). As a result, I lost {$10000.00} in investment income ( had to liquidate my investments as a result of Citibank action ). Also being a XXXX XXXX I suffered quite a bit going back and forth to Citibank branch in XXXX and got disrespected each time by their staff not to mention gas prices paid in order to get my deposit. Citibank should pay an additional {$10000.00} for aggravating my XXXX Total damages i request from Citibank is {$20000.00}.

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 monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX is reporting two accounts that are inaccurate 1. {$3100.00} XX/XX/XXXX XXXX XXXX. {$430.00} XX/XX/XXXX I sent multiple letters to this company regarding inaccurate reporting and this company is still displaying different dates of last activity per bureau. The accounts are different throughout.

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 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: MN

Complaint narrative:
I got a robocall saying that I had unauthorized activity on my moneylion account. When I logged in, I saw that there were several logins that weren't from me. So I pressed the buttons the robocall asked me to press on the phone, and they hung up. I then called moneylion with some follow up questions, and they said they don't do robocalls and it must have been a scam. They then told me someone had requested {$300.00} in cash advances and taken out a {$500.00} personal loan. None of that was me. As of this moment, they are currently still working on figuring it out on their end. This happened on XX/XX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-21 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: MD

Complaint narrative:
Please see uploaded documentation pertaining to Experians failure to conduct a thorough and lawful reinvestigation of disputed items on my consumer 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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: TN

Complaint narrative:
CANT SEEMS TO GET THIS COMPANY TO REMOVE MY OLD BANKING ACCOUNT ON FILE. 

I HAVE XXXX XXXX ON FILE -- -- -- OLD BANK ACCT ON FILE I HAVE MY CURRENT BANK ACCT ON FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

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 non-monetary relief