vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my XXXX credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer XXXX credit reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
The whom it may concern, XXXX ( 1 ) On my Payoff statement, dated XX/XX/XXXX their employees could not explain theses amounts to me {$5200.00}, {$2500.00} and {$3800.00}. It seem to me these amounts are repeats. Please provide an itemize sheet of where these figures are being applied to as well as all the collected escrow funds prior to selling my house. XXXX ( 2 ) Since XXXX and ongoing I have all kinds of fees and prices throughout my loan, just to name a few. {$19.00} XXXX XXXX  over phone fees, corporate adv fees, XXXX paid exp fees. and extremely unusual late fees with different prices. Please explain why am I being charged different amount for late fees and etc. Respectfully. XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Back in XXXX, we did a transaction of {$300.00} through XXXX XXXX for sports tickets. The tickets turned out to be fake. The XXXX XXXX account is linked to our debit card. We received a text from the bank stating the transaction was suspected scam. It read something to the effective decline transaction. When we first looked at the text, we thought it said do you want to decline the transaction so we hit yes because the bank had advised it may be possible fraud. However, after rereading the text message, it asked if you want to authorize this transaction so once we realize we called the bank right away And explain the situation. We didnt want the transaction to go through. At that time we were told the transaction was pending, but would likely be reversed, but I would have to wait and see what happens in the next few days. A few days later, the amount was debited from our account. I was told that I would have to file a claim. I filed the claim. I explain the situation. After about a week, we received a letter saying that the claim was denied my bank advised we need to go through XXXX XXXX to file the dispute. I called XXXX XXXX and put in a claim with him. They referred me to my bank so again I called my bank. They said they were gon na submit it for another review. In the meantime, I filed reports with the Federal Trade Commission, my local police department and XXXX XXXX that this was all fraud. The last few months have been back-and-forth with the bank and XXXX XXXX trying to get these funds back. I have spent countless hours of my own time trying to get this figured out, I have tried to reach out to the corporate office at the bank and was basically told the same thing. Ive been told theres nothing they can do. I realize we made the mistake, but we called literally seconds after I have done everything that they have asked for it was linked to my debit card, and I feel as though my bank should help me out in this case, but they are not, neither is XXXX XXXX. so now I am left in the middle. They each tell me I have to go back to them. I need to get a resolution to this as thats a lot of money and its been going on for months. Please help me. I will gather any documentation you might need. Im doing this from my phone at the moment so Im not able to access the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have tried to make a payment online to my mortgage company, XXXX XXXX. It's been rejected several times. I have called customer service 5 times yesterday and today. The first 2 representatives told me the issue was resolved and to give the system 30-45 minutes. It did not work. The 3rd representative said to wait till the next day, because their systems re-set every night and those rejections would fall off. I tried doing the payment again this morning, and it was rejected. The fourth call, I was told to find another way to make the payment. And the fifth time I filed a complaint with Chase. Please help as I have been paying my mortgage for the last 8 years with no issues. I will incur late fees if this is not resolved. And I have never been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
During the Covid-19 Pandemic I did not take XXXX XXXX  of unemployment or PPP funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My correct name is XXXX XXXX XXXX XXXX and Transunion is reporting my middle name as XXXX  instead of XXXX. Please remove this inaccurate information from my Transunion 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 non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi and their subsidiary XXXX XXXX have violated FDCPA by calling with the intent to harass and intimidate. I have requested on numerous occasions through the CFPB complaint process, and the information requested has not been provided nor has it even been addressed. I would like to have this information provided and to have the CFPB actually investigate this. Citi has corresponded and stated they played cease and desist notations on my accounts, but they have still failed to address one of my accounts that they are still contacting me regarding.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-07-09 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:
My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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. 


XXXX XXXX XXXX XXXX XXXX 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are fraudulent accounts in my profile that needs to be removed. You are violating my right to have an accurate reporting. Remove these as soon as possible. 

XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX  XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX account # XXXX date opened XX/XX/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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Tried calling the merchant directly at XXXX regarding my credit card payment of {$1000.00} that was made an error online payment system and just wanted to pay {$110.00} towards my monthly payment of interest, I tried resolving this matter directly and was told that I would have to wait 7 to 10 days before the error of payment could be corrected. However when I followed up on the money being returned to my bank of XXXX XXXX online account, they told me that it could not be done best was done online electronically and could not be reverse payments of the difference in payment. I was very upset being my bank account became overdraft with zero money in my accounts and I am on a fix income with Social security checks.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request detailed verification and validation of a bankruptcy entry reported on my TransUnion files that was verified as accurate by on XX/XX/XXXX. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Gramm-Leach-Bliley Act ( GLBA ). 
Disputed Bankruptcy Information : - File number : XXXX - *Bankruptcy Case XXXX - *Filing Date* : XX/XX/XXXX - *Status* : XXXX through Bankruptcy XXXX  XXXX Basis for Request : Fair Credit Reporting Act ( FCRA ) Compliance : 1. Accuracy and Completeness : Under the FCRA, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The bankruptcy entry in my TransUnion file must meet this standard of accuracy and completeness.

2. Reinvestigation Requirements : Pursuant to 15 U.S.C. 1681i ( a ), when a consumer disputes the accuracy of any item of information in their file, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. I am requesting detailed information about the reinvestigation process conducted by TransUnion regarding this bankruptcy entry.

3. Unverifiable Information : According to 15 U.S.C. 1681i ( a ) ( 5 ), if, after a reinvestigation, the disputed information can not be verified, the consumer reporting agency must promptly delete the information from the consumer 's file.

Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Compliance : 1. Deceptive and Unfair Practices : The reporting of inaccurate or unverifiable information may constitute deceptive and unfair trade practices under FDUTPA, Section 501.204. TransUnion is required to ensure that all reported information is accurate and fair to prevent consumer harm.

Gramm-Leach-Bliley Act ( GLBA ) Compliance : 1. Privacy and Safeguards Rule : Under the GLBA, 15 U.S.C. 6801, financial institutions are required to protect the privacy and confidentiality of consumer information. The reporting and verification of my bankruptcy must comply with the GLBAs Privacy and Safeguards Rule to ensure the protection of my personal information.

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 2024-07-09 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NY

Complaint narrative:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 
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 2024-07-09 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: NJ

Complaint narrative:
Sometime last year I was sent a letter from child support, that they would have leans on my accounts and wages to pay off the debt. Since then Ive seen money leave my account, and taken from my wages. There were even times money would leave my back account, and then post back to it. So I didnt think much of it. This year while doing my taxes I came to find out my entire return went to child support, and that didnt make sense because of the leans. That prompted me to look through my account and its transactions. Come to find out there were a lot of unauthorized purchases. I reported them, talked with the bank, answered questions, and explained the whole situation. They have since denied my claim, and told me that an appeal was out of the question. I felt that was highly unacceptable, and not right seeing as how they have a XXXX liability policy regarding unauthorized purchases. Ive done my own research and seen a common tactic of people stealing, or committing identity theft is to intercept the packages before theyre delivered to the door, or snatch them up before anyone in the house realizes theres a package outside.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I feel frustrated and disappointed. Ive been consistently ignored with my request to correct inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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