vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been a victim of Identity theft since XX/XX/XXXX. I have reached out to XXXX and requested a contract with my signature and they never provided it. This fraudulent account is a result of identity theft. This is causing harm to me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 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 have been a victim of Identity theft since XXXX. I have reached out to XXXX and requested a contract with my signature and they never provided it. This fraudulent account is a result of identity theft. This is causing harm to me as a consumer.

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 2024-06-28 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: TX

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX # XXXX In accordance with the Fair Credit Reporting Act, public law XXXX, XXXX VI, Section 611 please provide the name and business addresses of each individual with whom you've verified above so that I XXXX follow up. Please send an updated copy of my credit report after your re-investigation Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my credit report as maintained by Experian. This letter serves as my official notice of dispute under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 
Report Number:XXXX  Experian & XXXX XXXX XXXX reports this accounts is POTENTIALLY NEGATIVE when in fact this account has been settled since 2023. XXXXXXXX XXXX XXXXXXXX in return was supposed to delete this off my credit report but instead left it on my credit report! Now I've disputed with Experian stating this account is inaccurate. But their was response were it's Accurate and Verified! Okay so here 's the problem either Experian is lying or XXXX XXXX XXXX. by law under the FCRA act and FDCPA I have the right to sue both business for reporting Fraudulent information. This is damage to my credit worthiness moving forward for future loans or home purchase. This needs to be removed from my credit report immediately.

Legal Basis for Dispute : 15 U.S. Code 1681 : The FCRA mandates accurate and fair credit reporting.

15 U.S. Code 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.
15 U.S. Code 1681s-2 : Addresses the responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681i ( a ) ( 5 ) : Details the procedure for the deletion of inaccurate, incomplete, or unverifiable information. 
Specific Dispute Details : I am disputing the following inaccurate information on my credit report : Account/Item Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Specific Inaccuracies : Paid, Closed. 
This information is incorrect and must be investigated and removed. 

Affidavit of Truth : This affidavit is made pursuant to the Fair Credit Reporting Act as codified at 15 U.S. Code 1681. I do not consent to any automated scan response or e-OSCAR verification methods.

Certification : I certify under penalty of perjury under the laws of the United States of America pursuant to 28 U.S.C. 1746 ( 1 ) that the foregoing is true and correct. 

Supporting Documentation :

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 2024-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: INSPERITY INC
State: CA

Complaint narrative:
On the pay period of XX/XX/XXXX, my paycheck was not deposited into my direct deposit account. Upon further investigation, I discovered that my banking information had been changed without my consent. The direct deposit page no longer displayed my original account and routing numbers, which I had initially set up for payroll. Instead, a different account and routing number, not associated with me in any way, were shown under my direct deposit. 

I promptly contacted XXXX, the payroll company, and explained that the funds were deposited into an unknown account, likely due to fraud. Despite multiple conversations with various staff members, including supervisors, managers, and the XXXX, XXXX has refused to re-issue my paycheck to my correct account. They stated that they would not be pulling the funds back from the fraudulent account and would not be issuing me my missing paycheck either. 

It is evident that my payroll account was accessed by an unknown source who altered my direct deposit information without my consent, resulting in my paycheck being deposited into another account. Despite presenting this situation to XXXX, they have failed to take corrective action or provide a resolution. 

I am seeking the CFPB 's assistance in resolving this issue and ensuring that my paycheck is re-issued to my correct account. Additionally, I request that steps be taken to prevent such fraudulent activities in the future and to hold XXXX accountable for their inaction and lack of support in this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: MO

Complaint narrative:
I am writing to follow up regarding their persistent failure to remove fraudulent items from my credit report. Despite my repeated attempts to resolve these issues, totaling 19 separate requests, the credit bureau/institution has not taken the necessary actions to remove the fraudulent entries. I have provided extensive documentation to support my claims, including an FTC Identity Theft Report, police reports, and correspondence from creditors confirming that these entries are fraudulent. Despite providing evidence that these accounts were fraudulently opened, they remain incorrectly reported on my credit report. I trust that that you will take swift and decisive action to resolve this matter. I have enclosed copies of all correspondence and documentation related to my disputes for your review. The following items should be remove as soon as possible : 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 explanation
Consumer complaint received 2024-06-28 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: NM

Complaint narrative:
I requested Experian to adjust my credit history : A. They reported delinquencies that did not exist B. They refused to give me my annual report by claiming they couldn't verify my identity C. They listed same accounts multiple times ; with same account listed as delinquent in one report and non delinquent in the same report D. They kept my credit report less than XXXX for over 4 years E. Every time I call they're XXXX agents with limited English G. They promised to mail my report and still awaiting

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 2024-06-28 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
This company is reporting different information to XXXX and XXXX which isn't accurate. I requested accurate documentation this debt belongs to me and they didn't respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to you yet again regarding a persistent issue on my credit report concerning my XXXX XXXX XXXX account XXXX Despite my multiple previous letters, the error has not been rectified, and I must insist on your immediate attention to this matter. XXXX XXXX XXXX has confirmed that a mistake occurred due to an issue with their recording software, which resulted in my payments not being processed accurately. Consequently, my account has been inaccurately reported as delinquent. XXXX XXXX XXXX has acknowledged this error and has agreed to update the status of my account to reflect that it is open and never late. They have assured me that they have communicated this correction to all relevant credit reporting agencies. Despite this, the erroneous information remains on my credit report, unjustly affecting my credit score and financial standing. This is causing significant distress and potential financial harm, and it is imperative that this error be corrected without further delay. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Credit Application Denial Dear Sir/Madam, I am writing to formally lodge a complaint regarding the denial of my application for a Costco Anywhere Visa Card by Citi, which I believe constitutes a violation of the Equal Credit Opportunity Act ( ECOA ), codified at 15 U.S.C. 1691. 

On XX/XX/year>, I visited the Costco location at XXXX XXXX XXXX XXXX XXXX, CA XXXX to purchase a mattress. During my visit, I applied for a Costco Credit Card. I was provided with the Costco Anywhere Visa Card by Citi Application Documentation and Card Agreement, which included a Card Agreement and Privacy Notice.

Approximately 30 minutes after submitting my application, I received an SMS text message indicating that my application had been declined. The message stated that I would receive a letter within one week detailing the reasons for the denial.

According to 15 U.S.C. 1691, the ECOA prohibits discrimination against applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to contract ), or because all or part of the applicant 's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I believe the denial of my credit application was unjust and discriminatory, infringing upon my rights under the ECOA. As a consumer, I have the right to apply for credit and be evaluated on fair and equitable terms. Furthermore, the issuance of an Adverse Action Letter in place of the credit extension is an unauthorized use of my credit information.

I am requesting the following actions be taken : A detailed written explanation for the denial of my credit application.

An investigation into whether any discriminatory practices occurred during the processing of my application.

A reassessment of my credit application to ensure it is evaluated fairly and in compliance with the ECOA.

I trust that Costco Wholesale Corporation and Citibank , N.A . will take this matter seriously and respond promptly to my concerns. Please provide the requested information and any relevant findings within 30 days of receipt of this letter.

Thank you for your attention to this matter. I look forward to your prompt and thorough response.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XXXX I was looking for a flight on XXXX XXXX website. At check out there is an offer for citi platinum XXXX XXXX XXXX credit card with {$200.00} statement credit and XXXX miles. I click on the only link for more information and complete the application in a pop up window. At the approval screen, there is a button to get a card number now before the actual card comes in the mail 7-10 days later. I click on the link because I want to apply this new credit card to my purchase and receive the {$200.00} credit and miles. The link to get card number now errors out and I can not get back to the screen. I call Citi and am told no other opportunity can be provided if the screen errored out. Now I can not make my purchase now and they recommend I wait 7-10 days for the physical card. I now have a new credit card processing but did not get the offer I click on for the amount off and miles. I am now trying to have the account closed by the bank before it is even sent out to me since I now have no need for 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 2024-06-28 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/year> I sent XXXX XXXX XXXX a QWR request per respa which I have attached. CXXXX XXXX XXXX was my servicer before they transferred the servicing rights to Fay Servicing. They haven't acknowledged my request for information within five business days. They received the QWR on XX/XX/year>. I need the information requested and have attached the letter I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally request the removal of an inaccurately reported charged-off account with CitiBank , N.A . from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. 

According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. 

The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. 
Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as CitiBank, N.A., must not report information that they know or have reasonable cause to believe is inaccurate. 
Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 
Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. 
Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.

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 2024-06-28 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 recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit and get a home loan.

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