vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
They deactivated my cash card and direct deposit which has my VA pension on it now I am ultimately in a tight spot

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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 asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data 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 explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I recently reviewed my credit report and found several billing errors. The late payments listed do not align with my usual payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: IL

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I applied for a loan I never received and now the company is trying to take the money out of my account. The following are the dates and events to the best of my knowledge : - XXXX XXXX applied a loan in the amount of {$250.00} - XX/XX/XXXX loan was supposed to have gone into my bank account- XX/XX/XXXX called Cash Central; was told that the banking account information was wrong so the money could not be deposited ; I was to wait to hear back from them ; it should be a couple of days after they received the money back to them. I never heard back from them XXXX XXXX received an email that Cash Central would be deducting {$300.00} out of my bank account on the XXXX. ( The XXXX was a XXXX and Cash Central was closed. ) I had not heard anything from them until this point. ) - XX/XX/XXXX Spoke to someone about the situation. They told me to call my bank and ask for a letter stating that I did not receive the funds and they would be able to refund the funds since the funds were already coming out that day XXXX XXXX Called my bank. Explained the situation. They stated they did not legally write any letters and legally Check Central should not be taking out funds that they did not pay out to me. My bank stopped payment on the funds being taken out from Cash Central XXXX XXXX Received an email from Cash Central that they were not able to deduct funds from my account. 
XXXX XXXX Called Cash Central to explain the situation again. I told them the funds would not be deducted from my account, but my bank stated that their bank can contact my bank since the funds went so another bank account. I spoke with them and was on hold for about XXXX. I could no longer hold since I am a school teacher and had to attend to my students. 

Please help me with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX  XXXX inquiry date XX/XX/XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/year>, {$100.00} was taken from my Chase Checking account. I did not authorize this transaction. I call XXXX customer service and told them I did not authorize this transaction. I received a notice XX/XX/year> saying the money was put back into my account. I received a notice XX/XX/year> saying that the money was taken back. I made phones call and went to a bank branch. At the bank branch the person who was assistance made a phone to someone at Chase. I person on the phone told me that i must have made the charge in question. She said the charge was made in person, at a store in XXXX, XXXX. The store only as two locations, one in XXXX XXXX and in another country. The person on the phone, said I should go to some store in XXXXXXXX XXXX Between then and now I stop having money deposited in the checking account I took most of the money out of the saving account. The reason I that I waited till now I had was having a problem with a cashier 's check. The check was deposited. I went to a bank branch to close the accounts. I was given the money from the saving account. Also told I could not close the accounts because a owe a service fee. Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-30 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I was told by the company, Freedom Mortgage, That I would be taken out of escrow by XX/XX/year>. I recieved a letter from the mortgage company stating that I could not be taken out of escrow because, according to the letter, I was past due on payments. I called the company on XX/XX/year> and the customer service agent confirmed that my account is not past due for any payments, nor have I ever been past due for any payments. When I asked if I could speak to the department that made that decision I was told no, but not too worry because I am not past due. If they continue to report that I am failing to make payments when I am, this could hurt my XXXX XXXX and have the potential to have my home 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 2024-09-30 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.

Complaint narrative:
I am BEYOND frustrated with Equifax They are reporting XXXX credit cards on my report that are in correct They show I have XXXX credit cards with XXXX XXXX and XXXX Credit cards with XXXX XXXX I only have XXXX credit card with XXXX XXXX and XXXX with XXXX XXXX I even sent a letter from XXXX XXXX stating I only have XXXX credit card and yet Equifax refuses to remove this Duplicate card from my report The duplicate cards show the same open date and credit limit so it should be obvious that this an error There is absolutely no accountability with Equifax when I call them Note the other XXXX credit companies have my information correct I have already sent multiple dispute 's with them

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My information was stolen and as a resulted there was identity theft and unauthorized hard inquiries on my credit report. These inquiries, which do not belong to me an do know were they cam from because it was done without my authorization, and because of it I have had a significant negative impact on my credit score. As a result of this inaccurate reporting, I am now facing discrimination from banks and credit unions, who may view my credit history unfavorably due to these unjust inquiries. This situation is not only damaging to my financial reputation but also limits my access to essential financial services.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inaccuracies, and the Identity Theft and Assumption Deterrence Act provides additional protections for victims. I believe I am entitled to compensation for the damages caused by this situation and seek your assistance in rectifying 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 2024-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was stolen and as a resulted there was identity theft and unauthorized hard inquiries on my credit report. These inquiries, which do not belong to me an do know were they cam from because it was done without my authorization, and because of it I have had a significant negative impact on my credit score. As a result of this inaccurate reporting, I am now facing discrimination from banks and credit unions, who may view my credit history unfavorably due to these unjust inquiries. This situation is not only damaging to my financial reputation but also limits my access to essential financial services.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute these inaccuracies, and the Identity Theft and Assumption Deterrence Act provides additional protections for victims. I believe I am entitled to compensation for the damages caused by this situation and seek your assistance in rectifying 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 2024-09-30 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: NY

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

Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name Navient # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than XXXX  years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 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: NY

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

Account name : XXXX BANK XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX  # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states a consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antidotes the report by more than XXXX  years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: NC

Complaint narrative:
There are collection debts on my credit report, and the credit bureau isn't providing me the information requested according to 15 US Code 1692g. I have sent them Identity theft and police reports, and no action has been taken to remove the error from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I applied for a direct consolidation loan and the XXXX repayment plan at the end of XX/XX/XXXX, the consolidation loan was approved, and they delayed the XXXX plan and my application was closed without approval. I've uploaded documents multiple times to Mohela and XXXX and they are no longer showing that I uploaded them. I most recently uploaded another round of application for the XXXX on XX/XX/XXXX and I'm awaiting a repayment plan notice. I tried calling Mohela and the wait time exceeded XXXX minutes and I have a job and can not wait that long. I have emailed Mohela and only gotten notices that I am behind on paying. I am incredibly frustrated that this is happening. The process has not been this bad until XXXX XXXX and now everything is messed up and I can't get any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Received a call multiple times today of a number XXXX as IMPERSONATING AND SAYING IDENTITY WAS STOLEN pretending to be capital one it actually showed up in my phone as capital one which I have an account through and use them for banking and they called to say I was a victim of identity theft, and they gave me the last XXXX social XXXX which is actually my fathers, and said that somebody opened up an account and applied for a credit card and loan in Texas, which I did not do, they are pretending to be capital one and Somehow getting information and calling pretending to be my bank and theyre not and now I am scared my identity is stolen with my dads

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On the morning of XX/XX/XXXX, I received several alerts that there were hard inquiries on my credit reports. I did not apply for any credit on XX/XX/XXXX, or any other time recently. I created accounts online with all XXXX  credit bureaus and froze my credit. I was able to start a dispute of the incorrect inquiries with XXXX, but Transunion said I needed to submit a letter to them from the financial institutions that made the inquiries, while XXXX said that I would not be able to dispute the transaction, and that my only recourse would be to contact the financial institutions that made the inquiries to ask them to remove them.

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 2024-09-30 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: FL

Complaint narrative:
Upon reviewing my credit report, I noticed several errors in billing. The late payments indicated do not correspond with my typical 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 non-monetary relief