vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: ALLY FINANCIAL 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.

Please see attached file for these items I am complaining.. 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 2024-06-20 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: NY

Complaint narrative:
My account with 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 XX/XX/year>, XX/XX/year> and XX/XX/year> 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 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 2024-06-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
In an attempt to trick and deceive the Consumer Financial Protection Bureau, Cash App COPIED AND PASTED their last response for the 2nd time to close out the complaint. Cash App failed to respond to this complaint regarding the dispute of Fraud. To further their lack of integrity, They COPIED AND PASTED their last response that included an explanation of an ERROR that never took place instead of addressing the FRAUD complaint. A lawsuit will be filed if they fail to investigate fraud. Complaints with CFPB will also continue until Cash App is investigated by the FTC for their actions in assisting with FRAUD. I reported FRAUD to Cash App on multiple occasions. Cashapp recently submitted a response to CFPB on XX/XX/XXXX that contained false information. Cashapp stated they investigated the dispute and concluded that no error occurred. However, as you see from the attachments, they never conducted a dispute. Cashapp attached a form that included a portion of the card number used to commit fraud and stated no error occurred. Cashapp has not once contacted the MERCHANT they claimed removed the funds from the account. In this email attached you can clearly see XXXX stating : Although our investigation determined that no error occurred, we may still be able to dispute your claim directly with the merchant. If you would like to open a new claim with additional information for the investigation, you may create a new case using that by following these steps to initiate the process in-app : Once these steps were completed and a request was made for the dispute to be filed with the MERCHANT, they closed the case. Cashapp has continuously lied to the CFPB about this dispute. Not once did they attempt to contact the MERCHANT about fraud. They claim to have investigated the " error ''. Someone stealing money is NOT an " error ''. They do not have a clue. They do not know how to conduct a FRAUD investigation. I have attached the paperwork from Cash App regarding the dispute I filed. They are calling these forms proof that no error occurred. The forms indicate nothing but the card number that was used in the transaction NOT that the charge was authorized. THEY ARE WELL AWARE that the MERCHANT does NOT exist. The only other plausible conclusion that I can think of is that they have stolen my money and created a fake merchant name. There is no other reason why they would fail to complete the dispute directly with the merchant. There is no logical or legal way that Cashapp can investigate a FRAUD related dispute without reaching out to the MERCHANT. I believe they are lying and stealing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
In XX/XX/year>, I received an email from NetCredit regarding credit. However I never applied for consumer credit with this company and I have been a victim of Identity theft. 

There is an extended fraud alert on all consumer reports. This company NEVER contacted me to verify that this was a legal request for consumer credit. I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY. 

However, I immediately filed an FTC identity theft affidavit ( report # : XXXX ) and provided it to the company. The company has refused to continue further regardless of what the federal law requires. 

So they have denied doing anything until they have a police report. So I filed a police report ( XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX, Ohio ) . 

They then told me I need to produce a police report with my personal banking information on it. They also told me I need to turn in a letter to them to send to the " credit bureaus ''. I ABSOLUTELY WILL NOT PROVIDE MY PERSONAL BANKING INFORMATION NOR WILL I WRITE THEM A LETTER TO SEND TO THE CONSMER REPORTING AGENCIES. 

THEY HAVE CONTINUED TO DISREGARD FEDERAL LAWS. It doesn't matter what their policy is, It is not above FEDERAL LAWS. Federal laws do not state I must produce a police report. Federal law does not require my personal banking information. 

If this is not immediately resolved I am and will be seeking litigation against this company. 

Its not a surprise that they hold 1 out of 5 stars with the XXXX. Every time I have called I can NEVER speak to a superior or someone with the slightest education. They put in a " request '' to be contacted. I have still to this day not been contacted by phone by this company. The emails are just as worthless as the phone calls. 

I have recorded all phone calls and saved all emails from this company. I SHOULD NOT HAVE TO GO THROUGH SO MUCH PROBLEMS WITH THIS COMPANY. THERE SHOULD BE NO REASON FOR THEM TO HAVE A POLICE REPORT WITH MY PERSONAL BANKING INFORMATION. THEY SHOULD HAVE PROCESSED THE REQUEST and PRODUCE THE REQUESTED DOCUMENTATION WHEN THEY RECIEVED THE FEDERAL AFFIDAVIT OF IDENTITY THEFT IN XXXX. 

IT is now XX/XX/year> and I am still demanding the same documentation. I SHOULD NOT HAVE TO PROVIDE THE SOCIAL SECURITY ADMINISTRATION NUMBER TO THEM WHEN I AM TELLING THEM SOMEONE HAS STOLE MY IDENTITY. 
As of todays date, a cease and desist is being sent to them and their registered agent and a demand to provide documentation that has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
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 significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We went through a loan modification of our mortgage through Wells Fargo roughgly 8 years ago. We had some financial hardships and were trying to work with Wells Fargo to help us stay current on our mortgage and stay in our home. The process was extremely long and frustrating. They kept requesting the same information over and over. We also got assigned 3-4 different people and had to start the process over each time. It finally was resolved and we moved on. 

During Covid when the rates went low, we tried to refinance to help and save some money and time on our mortgage. We were denied by the company we were going through because they said that Wells Fargo reported we were in foreclosure.at one point. I was shocked at this information because it was false. We had worked with Wells Fargo the whole way and never once did not send or did what they requested. So, this caused us to lose out on the historic lower interest rates that could have saved us tXXXX of dollars on the life of our loan. I did try on MULTIPLE occasions to talk with the company. I even asked to speak to supervisors/put in a complaint to them- I got no where. I really feel like that this company did not have our best interest and we are certainly worse off financially because of it. I knew that it was false and felt helpless to do anything about it short of getting a lawyer. 

Recently, we received a letter for Wells Fargo saying that they had identified an error that may have occured relating to the approval and finalization in the loan modification process and they offered us a check of roughly XXXX. They also said we could pursue this further if we feel that they had not made it right based on the amount they sent us. I did call and put my name into the mediation process. A financial friend also told us about your organization and encouraged us to file a complaint after I shared with them our situation. I want other consumers to be aware of what happened to us so these companies learn that there are people behind these phone calls and as a company they need to look out in the best interest of their clients. I really feel like we are owed something from the company because they prevented us from bettering our situation due to their error. 

Thank you for time and consideration with this matter and please contact me with any further information you need to pursue this complaint. 

Sincerely, 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 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hey i Went over My consumer Report And Called them And let them Know it Was Unathorized An Need be Removed. & Never gave them Consent to Report them. 
18 U.S.C 1028A 15 U.S CODE 1601 ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXXXXXX XXXX ACCOUNT : XXXX Charge/ Off 15 U.S CODE 1601. 
XXXX XXXX ACCOUNT : XXXX Closed/ Charged off 15 U. S code 1601. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 2024-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently noticed that XXXX XXXX XXXX XXXX had used my Copy Written material without authorization. I sent them a cease and desist again to see if they will take care of this matter without involving legal action. I have attached a copy of the letter and the Common Law Copy Write along with proof of mailing.

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 2024-06-20 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: PA

Complaint narrative:
I recently noticed that XXXX XXXX XXXX XXXX had used my Copy Written material without authorization. I sent them a cease and desist again to see if they will take care of this matter without involving legal action. I have attached a copy of the letter and the Common Law Copy Write along with proof of mailing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Every day, I watch the accrued interest balance growing, which is quite alarming. Although there is a suggestion that accrued interest on my eligible loans may be waived, there remains uncertainty regarding the interest on ineligible loans under XXXX XXXX XXXX 

Notably, Nelnet has advised against making any payments at this time. It has been suggested that 1. ) Nelnet is unable to calculate a payment amount while my loans are in forbearance and 2. ) doing so could further complicate and prolong the loan forgiveness process under XXXXXXXX XXXX XXXXXXXX. 

Contrary to the aforementioned information, I received a letter from Nelnet dated XX/XX/year> with a payment amount. I contacted Nelnet and was told they don't know how this amount was calculated. 

Any assistance that your office can provide is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: MA

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 2024-06-20 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: MA

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 explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CO

Complaint narrative:
The original loan is for {$500.00}. They are charging me amn interest rate of 648 % and expect me to pay {$2600.00} if i take it out for THEIR terms required. I have made 2 payments already of XXXX and they are still quoting me XXXX pay off for today. This does not seem legal. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-06-20 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
I am a victim of Identity theft and my information has been exposed on the XXXX data breach and I discovered multiple accounts on my credit report that was not opened by me the accounts are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need this resolved as soon as possible because this is scary and frustrated there are also multiple addresses on my credit that don't belong to me and multiple social security variations on my credit report and employers and phone numbers.

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 2024-06-20 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 am a victim of Identity theft and my information has been exposed on the XXXX data breach and I discovered multiple accounts on my credit report that was not opened by me the accounts are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  I need this resolved as soon as possible because this is scary and frustrated there are also multiple addresses on my credit that don't belong to me and multiple social security variations on my credit report and employers and phone numbers.

Company response to consumer: Closed with non-monetary relief