vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I went to make a withdraw from my account. I gave the teller my photo ID which is on file. I asked to withdraw the amount which would have left a balance to avoid fees, giving the teller a very close amount. I was than asked for a debit card. I explained I was never issued XXXX. I was than asked to access a password from my cell phone. I use a land line. I was denied access to my funds. I came back home and gathered my bank folder and went to another branch. I went to close my account with the bank issued check given to me when I opened the account and yet again was denied access to my funds. I explained when I opened the account that I do not do online banking and that did not seem to be a problem when I was depositing funds. The sudden need for a password on line was not shared with me until I wanted to withdraw funds. I have since tried to call XXXX customer service #. First took my complaint but offered no solution. It was not at all professional I had to ask the rep to repeat twice because of laughing in background. I couldnt get through to the second because it asked for a debit card # which I was never issued, and had no other options. I tried to reach out to XXXX other branches but both mangers were to busy to take my calls. This interest rate is now considerably lower and not being able to move my money is costing me money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Your complaint Complaint Number XXXX Step 1 What product or service is your complaint about?

PRODUCT OR SERVICE Payday loan, title loan, personal loan, or advance loan Loan used to repay previous loan No TYPE Payday loan Inactive modal Step 2 What type of problem are you having?

Issue Received a loan you didn't apply for Have you already tried to fix this problem with the company?

Yes Did you request information from the company?

No Step 3 What happened? 
XXXX XXXX is th holder of this information that was sold in XXXX of XXXX. I never have received anything connected to CASHNET USA. I filed bankruptcy in XXXX  and I have been cleaned since now all of a sudden I am getting sued by cashnetusa for a loan I never applied for. I am a victim of identification theft and fraud. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 
Tell cashnetusa stop harassing me and freezing my account for money I never received. 
Step 4 What company is this complaint about?

Company Information CASHNETUSA Step 5 What people are involved? 

Your contact information 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: IN

Complaint narrative:
The late payments listed do not correspond with my usual payment pattern.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to deliver physical documentation and an updated credit report promptly. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Employer - XXXX  XXXX XXXX XXXX  XXXX, NJ XXXX XXXX, NJ XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Incorrect Name : - 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 2024-09-20 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: TX

Complaint narrative:
The reported late payments do not reflect my regular payment habits.

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 2024-09-20 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: TX

Complaint narrative:
I am seeking your assistance regarding the false account listed on my credit report. This issue has negatively affected my reputation, and I am counting on your help. Due to the mishandling of my credit report, I have suffered greatly, and my reputation has been seriously harmed. You need to remove the incorrect information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NJ

Complaint narrative:
To Whom It May Concern, I strongly urge you to promptly eliminate any unsubstantiated assertions indicated in the content above or below from your publication. For you to be granted the conditional right to publish as the provider of supposed information, you are required to satisfy the minimal requirements. I categorically reject the publishing ability of any assertions that you are unable to substantiate with irrefutable evidence, even those that adhere to the obligatory reporting guidelines stipulated to be officially compliant, notably the indispensable Metro 2 Compliance standards mandated by CDIA in their CRRG, which explicitly warns that any deviation from said standards poses a threat to the accuracy of the information. 
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or permitted this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someone's credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or permitted this company to access my credit by way of a signed authorization bearing my signature. If unable to do so, have this DELETED from my credit file because it is making it very difficult for me to acquire credit? Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report The FCRA states that the only permissible purpose for pulling someone's credit is for A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Once again, DELETE!

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 2024-09-20 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:
Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I loaded {$6900.00} in funds onto a prepaid card issued by Skrill. When I tried to use it at a grocery store, Skrill denied the transaction and locked my account. When I asked the company for an explanation of why my funds were restricted and when I can use them, Skrill did not reply ; they just indicated in a canned way that the issue was " resolved. '' However, my card is still restricted. Skrill is not letting me use my own money I loaded onto their card! 

XX/XX/year>2024 XXXX Case opened XX/XX/year>2024 XXXX Resolved REPLIES XXXX XXXX XXXX XX/XX/year>2024 XXXX Automatically generated case. 
XXXX XXXX XXXX XX/XX/year>2024 XXXX Hello, is there a new problem with my account, or am I able to use my card now? XXXX XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX Automatically generated case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: KS

Complaint narrative:
This is not my debt. I don't live in XXXX I live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: MS

Complaint narrative:
( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A personal credit card account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an personal credit card at XXXX on XX/XX/XXXX Account number ( XXXX ) following this being resold and Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) .These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: AL

Complaint narrative:
I entered into a forbearance plan with XXXX XXXX XXXX for the months of XXXX XXXX XXXX XXXX XXXX XXXX. The approval letter stayed that the forbearance period would end on XX/XX/2024. 

I made several payments prior to the end of the forbearance period and my account was brought completely current on XXXX XXXX XXXX XXXX XXXX XXXX XXXXs reporting a 30 day late payment for XX/XX/2024 that they refuse to remove. 

I spoke with several representatives who assured me the account would not be considered late unless payment was made 30 days AFTER the end of my forbearance. I appealed to the executive office and they stated the terms of the approval specified that if all payments were not brought current prior to the expiration of the forbearance it would be considered late however, it is not stated in any written paperwork. Furthermore several representatives told me this was false on multiple recorded conversations.

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 2024-09-20 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: AL

Complaint narrative:
I entered into a forbearance plan with XXXX XXXX XXXX for the months of XXXX XXXX XXXX XXXX XXXX XXXX The approval letter stayed that the forbearance period would end on XX/XX/year>. 

I made several payments prior to the end of the forbearance period and my account was brought completely current on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX is reporting a 30 day late payment for XX/XX/year> that they refuse to remove. 

I spoke with several representatives who assured me the account would not be considered late unless payment was made 30 days AFTER the end of my forbearance. I appealed to the executive office and they stated the terms of the approval specified that if all payments were not brought current prior to the expiration of the forbearance it would be considered late however, it is not stated in any written paperwork. Furthermore several representatives told me this was false on multiple recorded conversations.

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 2024-09-20 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: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
At this point I am very frustrated with the credit bureaus. I have been in contact with them for quite some time trying to get errors on my reports fixed and still there are numerous issues that have not been addressed. This is my third complaint and I have also filed complaints with other agencies. They have violated the laws of credit reporting in many different ways. Failing to conduct a proper investigation, failure to provide results of their investigation and failure to respond within 30 days. My credit is suffering due to their lack of accountability on this issue and I am considering legal action against the credit bureaus and the furnishers, which is my right if it is not fixed in 15 days.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
At this point I am very frustrated with the credit bureaus. I have been in contact with them for quite some time trying to get errors on my reports fixed and still there are numerous issues that have not been addressed. This is my third complaint and I have also filed complaints with other agencies. They have violated the laws of credit reporting in many different ways. Failing to conduct a proper investigation, failure to provide results of their investigation and failure to respond within 30 days. My credit is suffering due to their lack of accountability on this issue and I am considering legal action against the credit bureaus and the furnishers, which is my right if it is not fixed in 15 days.

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