vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: OK

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citi Bank stole {$67.00} on XXXX instead of only deducting {$1.00}. 

The bank is engaging in Fraudulent activities by providing errors in record keeping and manipulating the checking account balancer. 

The bank has made it a regular habit to remove more funds from my account normally on each pay discrepancies or deposit. 

The increments range in varying amounts and are random sometimes, but they will just make their way to my account and randomly remove money. 

As well as charge a bogus merchant charge thst I have to dispute. 

They lied for 5 months alleging a wire transfer was returned but instead violated the law missing the mandatory deadline for handling in a attempt to steal more money from me. 

Caused some serious financial harm

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 2024-12-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXXXX/XX/year>

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company claims the payments bounced, and i never received any notification from my bank that these funds were returned. This is a bank error and now they are punishing me for the issue by freezing my payments. This is retaliation

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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
Nations Lending currently has my XXXX mortgage payments calculated at a higher rate than what is legally due. Once my XX/XX/XXXX payment post the escrow balance on my account will reach {$7900.00}. The only escrow payment of taxes left is for my MUD taxes in the amount of {$3800.00}. At this time the correct amount for my monthly escrow is {$1200.00} not {$1400.00}. Annual taxes on my property is {$10000.00}. XXXX XXXX annual is {$2300.00}. Considering the fact that the law has strict guidelines on XXXX cushion amount of one sixth of the annual escrow disbursements, I am owed a refund of {$1600.00}. Further my mortgage payment is not accurate at {$3900.00}. My payment due for XXXX and forth should be {$3700.00}. 

Nations Lending has collected an overage of {$1600.00} in escrow payments for the year XXXX and is overcharging my mortgage by {$230.00} for year XXXX. An escrow analysis should have already been done this month. I am requesting my refund immediately. I am requesting monthly mortgage payment accuracy 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 2024-12-13 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: MD

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their 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 non-monetary relief
Consumer complaint received 2024-12-13 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their 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 2024-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I paid off the truck loan on my deceased brother and provided them with a relinquish of right from my siblings as I am the trustee alone and they still wont relinquish the truck. I dont need the title per the department of motor vehicles just the letter. I paid the loan off on XX/XX/XXXX. The company is Navy Federal Credit Union XXXX XXXX name is XXXX XXXX XXXX. I have contacted them numerous times and they say they need more from my siblings nut the probate court said I dont have to.

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 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased tickets for ( {$180.00} ) XXXX XXXX concert on XXXX on XX/XX/year>, with my Bank America card. Once I got there and scan the tickets, they said they were fraudulent. The guy who sold XXXX the tickets done a chargeback with his bank. So, we called XXXX and email them, but they didn't refund our money. The lady at the event told me to contact my bank and tell them that chargeback done by XXXX. after he sold the tickets to XXXX. Looking at XXXX website after being denied my refund this has happened to other customers. There should be something in place once someone sells tickets to venue that they can verify the tickets before they sell them to someone else. 
This was so embarrassing and a waste of gas, time and money. 
I done a dispute with Bank of America XXXX XX/XX/XXXX and they denied the claim as well. 
Bank America Claim # XXXX. I feel the dispute department is not asking right questions and need to dig deeper. They need see who sold the tickets to XXXX and ask the customer to show their proof.

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 2024-12-13 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: MD

Complaint narrative:
I am requesting the immediate removal of these unauthorized accounts from my credit report, as I neither opened them nor knew they existed. As per USC 1681g, please delete them within 15 days. I have included the necessary supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$2400.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1500.00} XXXX. XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - XX/XX/XXXX - {$2200.00} Inquiries to be blocked and deleted : XXXX. XXXXXXXX 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 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  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately removed from my credit report. 
Accounts to be blocked and deleted : XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$610.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$800.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$2400.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1500.00} XXXX. XXXXXXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$160.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$430.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$620.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - Account XXXX : XXXX - XX/XX/XXXX - {$610.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. UNAUTHORIZED COLLECTION - Account Number : XXXX - XX/XX/XXXX - {$2200.00} Inquiries to be blocked and deleted : 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 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 XXXXXXXX - 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 explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have sent American Express gift cards to XXXX XXXX XXXX XXXX ( RWCB ) to meet grant requirements and never received the grant. Since I have not received the grant, I requested the return of the money I sent with no results to date. I have concluded that this organization is fraudulent. My contact phone number for XXXX is XXXX and only address I have is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. You may have difficulty communicating with them because of their fraudulent nature. I refer you to the US Department of Labor Office of Inspector General and the FBI. I request your investigation with a goal of returning all the AE gift cards totaling {$4000.00} ( attached ). All gift cards were initiated from my XXXX XXXX checking account. I consider these gift cards as stolen and request their return. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

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 2024-12-13 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
There was a payday loan that Speedycash allowed for someone to open up online/over the phone in 2023. I have attempted numerous times to reach out to Speedycash regarding this fraudulent account with no success

Company response to consumer: Closed with explanation