vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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:
Dept of Education {$290.00}, {$2700.00}, {$5100.00}, {$7500.00} all reporting on all credit report 's Experian, XXXX, and XXXX. In accordance to fair credit reporting act this creditor has violated my rights under 15 USC 1681 602 states I have a right to privacy. 15 USC 1681 604a 2 a consumer reporting agency can not furnish an account without my written consent. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company CREDIT COLLECTION SERVICES. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Scheduled a payment online on XXXX XXXX to be taken out of my checking account. 
The payment was due on XXXX XXXX, the payment was not taken out of my account until Monday XXXX and Citi Bank XXXX card charged me {$48.00} interest charge.

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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: ND

Complaint narrative:
On XX/XX/XXXX I notice a charge on my cash app card that was not done by me. I contacted XXXX to find out more about this purchase and was informed that this was not mines because it was not on my XXXX and I was told to contact the financial company to report this fraud. I did exactly that and contacted cash app about this fraud. Cash app has denied this claim because they said it was my fault that I allowed someone to commit this fraud. Which to me did not make any sense because how could I have allow someone to commit this fraudulent activity they could not provide me with any proof that this was my fault instead are telling me to pay them. I have tried numerous times to work with them to resolve this problem and theyre not willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
The information attached to this complaint is identified as identity theft and is not relatable to any transactions made by me. I am a victim of identity theft and did not make these charges I am requesting you block and delete the information my request is not made in error nor is my request is a result of misrepresentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me XXXX The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I missed XXXX payment and it wasn't even late yet yet they have been calling me non stop, they call XXXX  times a day even after I asked them to stop. They sent me an email stating they talked to their legal team and they are doing nothing wrong. But over received on some XXXX  calls within XXXX to XXXX XXXX  of each other, they are calling on my cell phone so everything is documented by my XXXX. On XX/XX/2024 they call at XXXX XXXX  and then again at XXXX XXXX, and this happens XXXX  some days they call me XXXX or XXXX times a XXXX. They are interrupting my work day and it's emotionally draining since I work a lot from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me XXXX. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2024-04-24 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: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: VA

Complaint narrative:
Subject : Complaint Regarding Dispute Resolution and Lack of Communication To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Current regarding the handling of a dispute on my Credit Build Card statement. The dispute in question involves a charge in the amount of {$1600.00} from XXXX XXXX XXXXXXXX, with a statement receipt number of XXXX. The dispute number assigned to this case is XXXX. 

Despite multiple attempts to reach out to Current through their customer service portals, I have received no updates or information regarding the status of my dispute. I have requested details about all communications they have received regarding the dispute, as well as information about where they are in the resolution process and what specific information they have gathered. Unfortunately, Current has failed to provide any of this crucial information. 

Furthermore, the unauthorized transaction from a blocked merchant has resulted in an overdraft on my account and has severely restricted my ability to use my account. Despite these significant issues, Current has provided no communication or updates regarding the dispute or the overdraft situation. 

I am deeply dissatisfied with the lack of transparency and communication from Current. I urgently request that Current rectify this situation immediately by refunding all funds related to the disputed transaction and resolving the overdraft issue. Additionally, I expect Current to provide timely updates and communication regarding the progress of the dispute resolution. 

Thank you for your attention to this matter. I trust that the CFPB will investigate this complaint thoroughly and take appropriate action to ensure fair treatment for consumers. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NC

Complaint narrative:
After finding out why my account was in suspicion and discovering that a dispute that was not supposed to have been filed was filed given that while was filing that dispute I had said never mind do not file as I already got the companies mixed up, and I couldn't find the email I needed. 

XXXX XXXX XXXXXXXX fraud department said OK was not going to finish then zip I find out that the XXXX XXXX XXXXXXXX fraud department had filed anyways. 

I return to XXXX XXXX XXXXXXXX. Said closed, did not receive any funds from zip. Was told they were sending the email to zip. 

But my account remained suspended. Zip staff REFUSED TO SPEAK WITH ME Call center? I repeatedly received a recording of a XXXX XXXX stating they closed their call centers. 

Informed them I would send payments by mail and requested their address. 

Zip refused. 

A month informing XXXX XXXX XXXXXXXX to block access. 

XX/XX/2XXXX XXXX XXXX XXXXXXXX chose to side with zip Did not block company Zip took money out XXXX XXXX XXXX fraud department refused assistance The third time XXXX XXXX XXXXXXXX XXXX fraud department had given me false information and testimony surrounding my checking account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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:
I have a twenty year history of perfect payments with XXXX XXXX XXXX. 
In XXXX of 2023, XXXX transferred my account to XXXX XXXX 
Since XXXX XXXX  has taken over my accoun, t it has been extremely difficult to work with them or manage my account. I have trouble logging into their website to make a payment. I can not get a password reset. XXXX requires the full XXXX digit account number for password changes, but XXXX hides the account number on all correspondence. If I call to speak with someone at XXXX, it is difficult to get through to a real person. If I can get through, I am not able to speak with someone who can speak XXXX. 
In addition, for many months, my monthly statement was not being sent to the correct address or no statement was received. 
I am not alone in this problem. The XXXX corporate website and various online forums list hundreds of people complaining about all of the same difficulties since XXXX XXXX has taken over their XXXX XXXX account. 
Through no fault of my own, XXXXXXXX XXXX has now marked my credit report with multiple late payments and damaged my credit score. 
I have already disputed this with the three credit agencies, but XXXX refuses to correct the problem.

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 2024-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
We contacted our mortgage company XX/XX/XXXX to request PMI removal. They sent a package that outlined two options for a primary residence. Option 2 involved paying for an appraisal and required a value that supported a loan to value ( ltv ) of 80 % or less. We were out of country and sent the package back in XX/XX/XXXX. Upon our return we signed the documentation and included a check for {$450.00} for an appraisal. The mortgage company ordered the appraisal, we scheduled, and the appraisal was completed. I followed up two weeks later after not hearing back. A return call indicated our value was not supported, but they stated the ltv was XXXX, which was below the 80 % term agreed upon within the documentation provided, and executed by cashing the check. The representative went on to advise that the ltv requirement is 75 % not 80 %. I informed them of what the letter stated and after escalation, I finally spoke to someone that advised the letter was possibly revised. We have a binding agreement drawn on the terms they issued, and we accepted, which they also accepted by cashing the check. We are simply asking they cancel our PMI as agreed upon in the original terms. We are not far off of the " new '' 75 % requirement, so they should feel comfortable from a risk perspective to cancel as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/24, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2024-04-24 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: AZ

Complaint narrative:
On XX/XX/24, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

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
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2024-04-24 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: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-04-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

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 non-monetary relief