vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: SC

Complaint narrative:
Subject : Request for Rectification of Privacy Breach in Consumer Credit Report Dear Equifax, I am writing to address a significant matter pertaining to the unauthorized inclusion of certain accounts in my consumer credit report, which I believe constitutes a breach of privacy and identity fraud. 

Pursuant to the South Carolina Consumer Protection Code, specifically 37-20-110, any addition of items to a consumer report requires explicit consent from the consumer. Furthermore, in accordance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], the information in a consumers credit report is considered non-public personal information. 

I want to emphasize that I did not provide authorization for the reporting of accounts that are currently negatively impacting my credit reputation. These unauthorized accounts include those with derogatory remarks, accounts in charge-off or collection status, and accounts negatively impacting my payment history. 

The continued reporting of these unauthorized accounts by Equifax not only violates my privacy but also raises concerns about identity fraud, which is a direct violation of the South Carolina Identity Theft Protection Act ( 37-20-170 et seq. ). 

I hereby request that you promptly rectify this situation by removing the aforementioned unauthorized accounts from my credit report, in compliance with the aforementioned laws. Failure to address this matter appropriately may be considered willful negligence under the FCRA. 

I appreciate your immediate attention to this issue and expect that you will take the necessary steps to rectify the breach of privacy in accordance with the relevant state and federal laws. 


This complaint was construed and submitted in the act of good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy 15 U.S.C 1681 section 604 A Secion 2 : It also states a consumer reporting agency can not furnish a account without my writte instructions.

15 U.S.C 166b A Creditor May not treat a payment on credit card account under an open end consumer credit plan as late for any reason.

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 2024-01-11 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: Block, Inc.
State: AZ

Complaint narrative:
I purchased a XXXX product on their website for {$350.00} and returned their product to them on XX/XX/XXXX. It is now XX/XX/XXXX, and I have yet to receive a refund for my return, despite XXXX having received my item over a month ago, and despite XXXX having assured me that I would be receiving my refund no later than 14 business days from the date of receipt ( XX/XX/XXXXXXXX   ). I have contacted XXXX multiple times about this issue, and they have provided false timelines about when I will be receiving my refund. I filed a dispute with Cash App, since it seems that XXXX is unwilling to return my money to me. However, Cash App denied my dispute, despite me providing clear documentation showing that I am owed a refund from XXXX of {$350.00}. I have provided this exact documentation in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/, XXXX XXXX XXXX located in XXXX XXXX, my client, wired my money ( USD XXXX ) for rendered service through their bank XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX used Chase Bank as an intermediary to transfer the money to my checking account I have at XXXX XXXX. 

XXXX XXXX hasn't received the money to this day. Chase hasn't been able to help me to find out where the wire transfer is. 

I showed them the remittance details, provided as well the UETR number. I checked the routing number as well as my account number to make sure everything was correct. It is. 

My only recourse now to have an answer is to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: RI

Complaint narrative:
I reported to them that I never opened an account with them! I also told them that someone was using my identity which was identity theft .. they informed me which the company is XXXX that they would take off my account, the company is XXXX saying I owe XXXX dollars which I never had

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TN

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-11 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: TN

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-11 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: TN

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 2024-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Guild Holdings Company
State: TX

Complaint narrative:
As executor of the estate of my deceased mother, her home was sold and closing disclosure dated XX/XX/XXXX with a closing date of XXXX Title company handling was XXXX XXXX XXXX XXXX The following month I received notices of " corrected '' tax statements from the XXXX XXXX tax office and the XXXX XXXX XXXX XXXX 's office requesting additional funding for the previous year XXXX tax bill. 

I requested an explanation from the title company. Their response sounded like they blamed the taxing entities, stating " It looks like they took off the over 65 exemption off of there. We collected and paid what showed on our tax cert we sent off of and a copy of the check we sent it. What is left will need to be paid by you out of the estate. '' Now their insurance company XXXX XXXX XXXX XXXX XXXX is demanding reimbursement for what they described as " due to the retroactive removal of the Homestead and Over 65 Tax Exemptions. '' I contacted the tax offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , as well as second opinions from the Tarrant Appraisal District, another title company and a couple of realtors. Unanimously they all agreed with the statement from the office of XXXX XXXX XXXX , that " the title company did not perform due diligence. '' It is confusing that a title company would not anticipate the retroactive tax bills as that is one of the things they are paid to research. The assets of the estate have been disbursed and there are no funds to pay for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I left Bank of America after 15 years. I had {$1500.00} left in my checking 's account. They mailed me the final amount to my apartment address in XX/XX/XXXX. I have never had mail compromised or stolen at this address. In XX/XX/XXXX, I received a letter from BoA that captured check # XXXX endorsed and cashed by an unknown woman who forged my name and signed her name on the check ( " XXXX XXXX '' ). I do not know this woman nor did I give her consent to take or cash my check. The capture date was XX/XX/XXXXXXXX  meaning BoA had notice this forgery took place. I immediately contacted BoA. For the remainder of XXXX, I called every other month to check on the status of BoA refunding my money ; every person I spoke to guaranteed they would yet BoA never did. A representative recommended as a last ditch effort to submit a written fraud claim and mail it to their XXXX office. I spent {$13.00} on certified mail. I filled out the form BoA provided, including getting a notary public to notarize my affidavit of events. I submitted the letter in XX/XX/XXXXXXXX  ; BoA received it on XX/XX/XXXX. They said it would take 45 days to decide. I never heard back. On XX/XX/XXXX, I called BoA and was told my fraud claim was denied. They could not provide me a reason why or what additional information they needed to make a different decision. No one would tell me what the appeals process would be. My information was given to the investigator and told he would call me the following day. He never did. I have still not heard from BoA. I'm at a loss. I was robbed. I filed a police report. I spoke to various BoA departments over the last year totaling HOURS, I followed BoA instructions, and still have not been made whole. I am at a loss for what to do next so I am submitting this complaint on XX/XX/XXXX in order for CFPB to investigate or attempt to make things right. 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 monetary relief
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2024-01-11 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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2024-01-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I paid off my heloc in XXXX of XXXX. Received a statement on XX/XX/XXXX showing XXXX balance due and XXXX past due. Meaning paid to XXXX  with nothing due at all. 

I get a call on XX/XX/XXXX from XXXX at XXXX XXXX  stating {$850.00} is due from XXXX which is the exact number that was due on the XXXX statement but not due any longer on the XXXX statement because I paid it. 

He further asked me to prove I paid it when it's aleady in the system. 

Apparently this institution does quite a bit of manual coding and manual entries of posting payments in a back end secondary system and too frequently have errors been exposed. I paid everything off and this is not the first time I have had issues with incorrect Information being inputted internally that results in more charges to the borrower. 

I feel a full audit needs to be done on both loans fixed and not fixed due to misappropriation of funds, misapplied funds and incorrect interest charges. 

I would not be surprised if this misappropriation of funds has damaged other Consumers without them knowing any different. 

I have attached the XXXX and XXXX statements for comparison and the suddenly due interest showing on their website that was not due before. 

Someone did something wrong and caused this problem. How many more problems are there that noone knows about?

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 2024-01-11 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: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the unresolved disputes I have filed with XXXX, XXXX, and Experian. Despite my repeated attempts to rectify inaccuracies on my credit report, it has been over 60 days, and I have not received any response from your agency. 

I have meticulously detailed the accounts in question in my dispute letters and explicitly outlined the violations these accounts represent in terms of the Fair Credit Reporting Act. The lack of acknowledgment and resolution from your end is not only alarming but also a blatant disregard for the rights granted to me as a consumer. 

In accordance with the Fair Credit Reporting Act, it is imperative that the information on my credit report is 100 % accurate. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these provisions by failing to report accurate information within the stipulated timeframe. 

I am attaching copies of all the letters I have sent previously for your reference. It is disheartening to see the lack of urgency and commitment to resolving these issues, which are impacting my financial standing and overall well-being. 

I demand immediate attention to this matter and a thorough investigation into the violations outlined in my disputes. The persistence of these inaccuracies not only jeopardizes my financial health but also undermines the integrity of the credit reporting system. 

I expect a prompt response and resolution to these issues in compliance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to restoring my confidence in your agency. 

Thank you for your urgent attention to this matter.

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 2024-01-11 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: CT

Complaint narrative:
XXXX XXXX put me on a payment plan option to help make payments without late fees. I made 3 payments between XXXX and XXXX. They reported me as 30 days past due.

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 2024-01-11 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 am the author of this complaint. I checked my consumer credit report and noticed some inaccurate, incomplete, and fraudulent accounts. These accounts and the reporting of these accounts are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have been negatively impacted because of these errors.

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 2024-01-11 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: CA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
This is an Opt-Out Demand. The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely concerning the account in question below. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reaching out concerning unauthorized inquiry made on On XX/XX/2024 by Truist Bank, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I received a notification regarding a hard inquiry reported by XXXX XXXX. I contacted Truist Bank directly and they denied having pulled my credit report. XXXX however verbally verified that there was a hard inquiry from Truist Bank. I did not apply for credit nor give Truist Bank consent to pull my credit. I am demanding that this hard inquiry be removed 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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