vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I WAS REVIEWING MY CREDIT REPORT AND WAS ALARMED BY THE FRAUDULENT ACCOUNTS AND INQUIRIES REPORTING. PLEASE SEE ATTCHED DOCS. 



I WOULD LIKE THE FOLLOWING ACCOUNTS DELETED WITHIN 5 DAYS. 

ACCOUNTS ARE : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( CLOSED ) XXXX AND XXXX XXXX XXXX. 

PLEASE DELETE THE INQUIRES REPORTING ALSO. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time there were sudden discrepancies that caught me off guard. I even refreshed my browser thinking it might be a glitch, but the accounts stayed there. Now, I am urging a thorough review of the documents I submitted, so I can finally put this behind me and stop worrying.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX I submitted a fraudulent charge claim to USAA due to 2 transactions ( XXXX for {$120.00} and XXXX for {$350.00} ) that I did not authorize being charged to my account due to my card being stolen and used against my permission. My card was replaced by USAA, but on XX/XX/XXXX, after a review the fraudulent charge claim was denied with the reasoning of " Transaction data shows CHIP was used ''. I then attempted to appeal the decision and submitted additional documentation regarding the theft. I do not remember the exact date I submitted these documents, but on XX/XX/XXXX I received the same reasoning for the denial. I then called again, had the claim reopened and received a XXXX denial on XX/XX/XXXX. I was told over the phone that nothing else could be done and the claim could not be reopened.

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 2024-10-04 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: GA

Complaint narrative:
I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
To whom it may concern : I have recently been informed that there is negative information reported by the US bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX in the file you maintain under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing with reference number XXXX filed on XX/XX/year>. 

The entry with reference number XXXX filed on XX/XX/year> with this court appears to be in accurate. 

Please verify and validate this information with the court and provide me copies of any documentation associated with account granting new access to report this information, bearing my signature. In the absence of any such documentation, bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

I have contacted the United States bankruptcy court for the district of Oregon in person and via XXXX mail. Their response to me in reference to any credit reporting is that they are not a credit agency and dont report to any credit companies. There for I am demanding that this incorrect information be immediately removed from my credit report. 

Best, 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 2024-10-04 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: IL

Complaint narrative:
Im sure I never miss payments, yet this company shows late payments for certain months. Per USC 1666b, billing errors should be fixed, and my account updated to show " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
They never told my I had to wait 3 business days to receive my funds in my new account I was told I could get it the same day and when I asked them to return it to my employer they said I still have to wait 3 business days and that they will still take the money of my check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-04 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: IL

Complaint narrative:
the following inquires i didnt authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
NFCU changed their online service to my account and all customers ' accounts to mask over the total cash listed on the top of accounts to be accurate only on the first of each month, After the first they reflect in the cash amount at the top of statements a reflection of projected interest that is earned on CD 's this should be against the law if they want to reflect a projection on CD 's then that should be in the CD section only, The amount of cash in my account to include CD 's should not change except on the 1st of each month after all interest is paid on the Last day of the prior month. The problem they create is the balance should be an easy way for me and anyone else to see if any money has come out of my account if so, we could look quickly through our accounts to see if someone stole money or if the removal was due to a debit from an auto pay or use of a debit card ETC.. Under their current system that should be against the law my Cash balance changes nearly daily and can mask a theft and example would be if I look at my account today and the account went up XXXX dollars overnight I might overlook the fact that it really went up XXXX dollars and someone stole XXXX dollars their actions that would require me to look through every individual account daily for fraud is unconscionable, The cash total updated on the first should only change when money is actually removed or added not some hypothetical and bogus CD amount that is a total lie since closing a CD early would result in penalties and they are not part of the equation nor should they be just like the projected earnings should not show in my cash balance if they want to show a hypothetical CD balance then do so in the CD section and the CD section ONLY. NOT IN MY CASH BALANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My accounts 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 to be removed/updated.

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.

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!

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently by checking my credit report, I noticed that I have become a victim of identity and I found numerous credit inquiries I have no knowledge of ; Here are the inquiries I have found : 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 explanation
Consumer complaint received 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request your assistance in resolving multiple inaccuracies on my credit report. I have previously disputed these accounts and requested thorough investigations ; however, I have yet to receive a resolution or any corrective action. 

The ongoing presence of these erroneous accounts is causing significant damage to my credit file and creating undue hardship in my financial life. It is crucial that these errors be addressed immediately. 

I kindly ask for a detailed investigation into each of the disputed accounts on my report. Please take the necessary steps to correct my credit file without further delay. Your swift action and cooperation in this matter would be greatly appreciated, and I look forward to your prompt response. 

Thank you for your attention and assistance in resolving 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 non-monetary relief
Consumer complaint received 2024-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I received a demand letter dated XX/XX/year> from Aldous and Associates in the amount of XXXX for an amount owed to XXXX XXXX. Upon receipt of this correspondence, I immediately called them to inform them I never opened an account with this company and have never ever been to a XXXX XXXX in my life. I sent them a certified letter stating this debt does not belong to me and to immediately stop the collection process, however. I was just notified by XXXX that on XX/XX/year> a collection was put on my credit report. I, yesterday, XX/XX/year> called them once again to resolve this issue with no avail. My XXXX credit report dropped about XXXX points due to this frivolous collection attempt. I also called XXXX on XX/XX/year> and filed a dispute accordingly and put a freeze on my credit report. Please have them immediately remove this collection item from all Credit Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have submitted a dispute because I purchase a resort stay on my card. I was not able to take the trip due to Hurricane Beryl. The resort refused to issue a refund. 

I sent over the XXXX XXXX advising state of emergency and my cancelled flights. 

Citi bank closed the dispute in favor of the merchant. I never received my service and it was a state of emergency. 

I have been going through this since XXXX it is now XXXX. I have spoken to multiple supervisors that have also sent requests in to reopen the dispute and I have not heard anything. Some agent are rude and told me oh well. Its expensive to conduct investigation so they are not interested in reopening the case. It is not fair that I though I was protected in the event I was charged for something I had no control over. It was a natural disaster for goodness sake. 

The fact they brushed me off and didn't even look at the supporting document I have submitted. 

I will not be working with them after this is rectified.. The stress this has caused.

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 2024-10-04 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: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-10-04 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: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle- refused to cancel a pending transaction. I sent a friend {$25.00} through the app Zelle. My friend no longer has that account. The transaction was pending. I called Zelle to cancel the transaction. They said it would be canceled in 24 hours. It was not. I called Zelle again, they said I needed to cancel with my bank. I called my bank and they said the transaction was completed on their end and to contact Zelle again. I contact Zelle and they said to contact my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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:
RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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