vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. I responded to the assertion this was opened by me and valid. Never once did the creditor provide the application, or proof the card was received and used by me. They sent a letter saying the address, and phone number used on the account opening was verified as mine. I do not see how that is possible. Even the Police verified I did not live at that address. That phone number is NOT on my police report, FTC report, or letter to them. That email address is also not used by me. My email address has been open and valid for 22 years. The one used to open I have no idea whose it is. I asked for this account to be blocked and provided all the info needed. I get this letter back stating No we will not and it's back on your file. The specific account details provided did not allow them to block. That the description of the ID theft was " too vague ''. Laughable. read the police and FTC report. It's very clear. They asked me to provide my Identification, address etc once again. Attached is everything that was sent not once but 3 times in 3 months. I am getting the run around and victimized by the credit bureau and the creditor repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On several dates its transaction that are double triple quadruple and more I used a non Wells Fargo atm and I think some hacked me cause I was trying my hardest to get cash so I swiped and swiped but not all the money came to me and I swiped XXXX  times its XXXX  times of money out of my account its unbelievable

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 2024-07-23 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: FL

Complaint narrative:
I have been a victim of ID theft. As a result there were accounts opened in my name. There was information changed in my name, addresses, phone numbers, emails, etc. None of which were mine. I provided to the creditors and the credit bureaus proof of my residence for 4 years, copy of my Drivers License with that same address. Social Security Card, Police report with the account listed, FTC report with the account listed. I offered to sign an affidavit etc. I responded to the assertion this was opened by me and valid. Never once did the creditor provide the application, or proof the card was received and used by me. They sent a letter saying the address, and phone number used on the account opening was verified as mine. I do not see how that is possible. Even the Police verified I did not live at that address. That phone number is NOT on my police report, FTC report, or letter to them. That email address is also not used by me. My email address has been open and valid for 22 years. The one used to open I have no idea whose it is. I asked for this account to be blocked and provided all the info needed. I get this letter back stating No we will not and it's back on your file. The specific account details provided did not allow them to block. That the description of the ID theft was " too vague ''. Laughable. read the police and FTC report. It's very clear. They asked me to provide my Identification, address etc once again. Attached is everything that was sent not once but 3 times in 3 months. I am getting the run around and victimized by the credit bureau and the creditor repeatedly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion verified his account was accurate and i seen m credit report and seen alot of discrepancies and inaccuracies and these errors are in direct violation of my rights under the Truth in Lending Act ( TILA ). The TILA protects consumers by ensuring accurate and fair credit reporting. I demand that you immediately remove this inaccurate account from my credit report. If this account is not removed promptly, I will be forced to pursue arbitration due to fraudulent activity.

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 2024-07-23 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: FL

Complaint narrative:
I am filing a complaint against XXXX concerning their failure to validate and verify an account listed on my credit report. This issue pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). The details of the account in question are as follows : Account Name : 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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports.

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have two Amex business cards. One for XXXX XXXX. One for XXXX XXXX XXXX. The XXXX XXXX XXXX is an Amex PLatinum card which had a sign up bonus of XXXX points for spending $ XXXX within 3 months of opnening. I hit the spend limit, paid the {$650.00} annual fee as was rewarded the points. 

I recentyl closed the XXXX XXXX  ( seperate entity ) and all the membership points in XXXX XXXX were XXXX XXXX out. I talked to a supervisor and they said if I close a CC within a year they can cease any points. I notified them the XXXX account is still open ( with the points ) AND the XXXX XXXX is over a year old as I have statmeents from XX/XX/year>. 

They then had no asnwer and I still have no points. They falsely advertised the sign up bonus to get people to pay the {$650.00} fee I feel

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
I've found that my credit report has erroneous information for the several time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$2200.00} XXXX  XXXX Balance Owed : {$3700.00}

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 explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I am seeking your assistance with this incorrect account appearing on my credit report. This issue is harming my reputation, and I need your help to resolve it.

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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KY

Complaint narrative:
I send funds from my US Account to Coinbase. It instantly arrived. I purchased Cryptocurrencies with it. After trying to withdraw my Cryptocurrencies, it stated that I need to wait 3 to 5 days prior to being able to withdraw. After 5 days I initiated a withdrawal, which then was stated as 'failed '. After that, my account was said to be restricted due to malicious activity and that any withdrawal is not possible until XX/XX/XXXX. Upon asking over and over as to why, they only stated that nothing can be done than wait until said date is reached. They did not explain as to why this restriction was put on my account nor did they give disclosure whether I can help to lift that ban or not. 
It is highly frustrating since I wanted to use the funds to my external wallet. It makes me highly suspicious and I feel like they do not want me to withdraw my cryptocurrencies from their website. This leaves me vulnerable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXX AT XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} 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 non-monetary relief
Consumer complaint received 2024-07-23 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal information on my credit report is incorrect. I have included my documents so you can update it. Please correct and update my personal information as soon as possible.

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 2024-07-23 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:
I was reviewing a copy of my credit report and notice there where some fraudulent account that do not belong to me as this account is not mine and is affecting me to obtain credit I would like this account removed as soon as possible 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 explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
I saw that my credit report contains some accounts that I do not recognize. To be specific, there are inaccurate accounts on my credit report that I do not have any idea of so please check the documents that I've sent.

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 2024-07-23 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: TX

Complaint narrative:
I've found that my credit report has erroneous information for the several time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance Owed : {$2200.00} XXXX XXXXXXXX Balance Owed : {$3700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I'm asking for your support regarding this inaccurate account listed on my credit report. It's damaging my reputation, and I need your help to address this issue.

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 2024-07-23 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: GA

Complaint narrative:
I am submitting this complaint against XXXX XXXX Experian due to their failure to accurately report my credit information, which has severely impacted my life for the past two years. I am devastated by the ongoing struggle with both XXXX and experian to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. 
The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. Despite numerous dispute letters and formal requests for correction, XXXX continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. 
These agencies are not adhering to the standards required by law, and I feel helpless. 
Specific Issues : - XXXX XXXX Experian continues to report inaccurate information despite my repeated disputes. 
- XXXX XXXX Experian has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- XXXX and Experian is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 
Supporting Documents : I have attached multiple dispute letters and affidavits sent to XXXX and Experian, detailing my issues.

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 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I applied for assistance and were given a few options, but the options were way more than my current mortgage payment. I'm behind on my mortgage and was offered a possible loan modification for {$1500.00} which is higher than the mortgage payment of {$1500.00}. How can the loan modification payment be higher than the regular payment. I had a temporary cut in hours and just returned back to work with waiting on XXXX XXXX XXXXXXXX. So payment could not be made as I returned to work XX/XX/year>. I have asked for temporary half payments to help me catch up until I can get back on my feet. According to the recent letter XX/XX/year> I only qualify for deed in lieu. It seems like Fay servicing only want my house. I just got the house and had the deed transferred to me. I have several complaints against this company as you can see previous complaints. I feel the consumers doesn't matter and people homes are the only thing that important to the company. I'm trying my best as I have a XXXX now and trying to get assistance with these high house payments. The mortgage is only {$110000.00} so why is my mortgage payment {$1500.00}. That's way to much as the house was just deeded to me. My intent is to keep my home as I'm having XXXX XXXX made to help me in the home It will be hard to lose everything and get assistance for XXXX. I just need extra time to get payments in as I'm 7 month behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
I'm asking for your support regarding this inaccurate account listed on my credit report. It's damaging my reputation, and I need your help to address this issue.

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