vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: PA

Complaint narrative:
Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am writing with urgency to address significant discrepancies in my credit report that directly contravene the guidelines established by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, it's evident that multiple errors persist, pointing to a substantial oversight of FCRA regulations within your agency. 

To underscore the critical points : The Fair Credit Reporting Act is a vital federal statute that regulates the accurate collection, retention, and transparent dissemination of consumer credit information. 

Instances of FCRA violations in my case encompass : Creditors providing inaccurate financial data to reporting agencies. 
Reporting agencies merging individuals ' information due to name or social security number similarities. 
Neglect of prescribed dispute handling protocols by agencies. 
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes. 
Receive notification if my information has been used against me in credit applications or other transactions. 
Dispute and demand rectification of incomplete, erroneous, or unverifiable data. 
Request the removal of outdated negative information within specified timelines. 
I formally request the immediate removal of the listed items below, as they blatantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, clearly evidenced in my recent denial for extended credita direct consequence of errors originating from your agency. 
XXXX following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX This address is not correct. Delete it immediately from my report. 

XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Bank XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX I kindly ask for prompt action to rectify these violations within the XXXX timeframe. Failure to comply XXXX necessitate pursuing legal measures to ensure my rights under the FCRA are diligently upheld. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I'm a XXXX XXXX  and I started using XXXX ( WePay ) to bill my clients in 2023. 

The first payments happened normally, but I noticed that my third and fourth invoice sent at the beginning of XXXX, despite being marked as paid, never entered my account. 

XX/XX/2023 : I opened a ticket with XXXX support to understand what was happening. ticket # XXXX XX/XX/2023 : They answered me saying : " I can see that you used WePay to process XXXX Payments and XXXX for another one. Although WePay and XXXX are different companies, we are able to reach out to them on your behalf. I have opened a ticket with WePay in regard to the whereabouts of the Payments for Invoices XXXX & XXXX. Once I have an update I will let you know. '' XX/XX/2023 : They send me this answer : " As promised, I reached out to WePay on your behalf and this is what they had to say : We apologize for the inconvenience, but WePay is no longer able to process payments for this account. We're held to strict guidelines on what we can and can not process through our site. After a standard review of their account, our Trust and Safety team has determined that we will not be able to provide them with our services. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. After the 120 calendar day timeframe, our Trust & Safety team will review the account again to determine if the funds can be released.I hope this provides the clarification you were looking for. Unfortunately, it seems WePay will hold these funds. I understand this can be frustrating and affects you as well as your business. Taking into account the circumstances, I would advise you to appeal WePay 's decision by sending an email to XXXX. You can read more about Merchant Appeals here. If you're interested, you can also reach out directly to WePay here. '' XX/XX/2023 : I opened a ticket ( ( # XXXX ) with WePay saying : For some reason, I didnt receive XXXX invoices. I contacted XXXX, and they said WePay is holding my money. I want to understand why the money is being held and how I can resolve this situation. 

XX/XX/2023 : They answered me : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2023 ''. 

I can't understand why my money is being arrested and my client said she paid with her debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My father passed away XX/XX/XXXX of 2023. Acting as my moms power of attorney. I tried to transfer all my fathers accounts into my mothers name as she was the beneficiary. Merrill and Bank of America have continuously drag their feet on assisting me to transfer these funds to my mother. Furthermore, they have omitted Crucial documents that need to be signed. I have dealt with several notaries trying to resolve their ongoing requests. They appear to be dragging their feet so I do not transfer my moms IRA to a different banking institution. They are rude and I feel they have done my mother and my father a great disservice. They continually sit on documents and delay my withdrawal of funds.

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 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westcreek Financial
State: NY

Complaint narrative:
Hi, I tried purchasing a vehicle and was denied because I was told that I already had one when I looked at my credit report it said I had a car loan with a company called koalafi I called koalafi and koalafi said that I had purchased furniture. I have never purchased any furniture. But all my credit report is coming up as an auto loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Opened XX/XX/2021 {$180.00} owed Contacted the company for contracts, havent received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent a letter to credit reporting agencies such as XXXX, Trans Union, and XXXX to remove unauthorized inquiries from my credit report. They have never responded about my request.

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 2023-12-11 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: CA

Complaint narrative:
I have sent a letter to credit reporting agencies such as XXXX, XXXX XXXX, and Equifax to remove unauthorized inquiries from my credit report. They have never responded about my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
My accounts were abruptly locked while I was in XXXX, despite being assured that I did not need to report that I was traveling outside the United States, effectively stranding me on another continent. USAA refused to accept any proof of my identity, and every time I would give them what they were asking for, they moved the goalposts and refused to accept exactly what they told me they needed. 4 days later, they are continuing to give me the runaround and refusing to resolve it in a timely manner. They are refusing to give me any information. At this point I have already submitted my passport as proof of identity, and they will not fix the issue. I have zero access to my money until they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: GA

Complaint narrative:
XXXX is showing inquiries on my report that are not minds and i did apply with those companys i talked to them about removeing them they keep saying they have to investigate it and its hurting my credit score i need the inquiries removed asap. 

thanks please help me with getting this ressovled inquirys are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX NEEDS TO BE REMOVED THESE NEED TO BE REMOVED ASAP : XXXX XXXX XXXX XXXX DATES XXXX XXXX XXXX XXXXXXXX REPORTED DATES XXXX XXXX XXXX XXXX REPORTED DATE

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 2023-12-11 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: TX

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX XXXX has been removed from my XXXX XXXX report dated XX/XX/2023 case number : XXXX. There is only a XXXX XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately. 

I have evidence to prove my case.

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 2023-12-11 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: Westcreek Financial
State: NC

Complaint narrative:
XXXX I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I went to an ATM on Wednesday, XX/XX/2023 around XXXX PM to try and withdraw {$330.00} from my account. The debit card I used was my XXXX XXXX  and the bank was Renasant bank. Before I tried to withdraw the money the ATM let me know that the receipts werent printing and I continued because I had used that atm several times. When I put the amount in that I wanted to withdraw and continued the atm took longer than usual to process and I saw I quick error message that I wasnt able to get a picture of. The money didnt dispense and the atm gave me my card back. I called XXXX XXXX XXXX as soon as this happened and they told me I would have to wait until the transaction wasnt pending anymore. I went inside the Renasant bank and tried to explain the situation and they said there was nothing they could do because XXXX is a different bank. Im wondering what steps do I need to take to get the money that I didnt receive back on my chime account. The location of the Renasant bank atm is 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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX the CFPB entered a consent order in administrative proceeding XXXX, which paragraph 56 stating : All Debt Sale contracts and agreement to after the effective date must : b. Prohibit the Debt Buyer from reselling any Account included in the Debt Sale, except to the extent Respondent is repurchasing an account. 

On XX/XX/XXXX Citibank, NA. sold my account, according to the petition is XXXX XXXX Missouri Case XXXX, to XXXX XXXX XXXX XXXX XXXX XXXX under Contract ID XXXX document id XXXX. 

The State Case petition is attached. 

However, on XX/XX/XXXX, that debt was resold, or assigned, from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which was transferred and resold, until XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which filed action against me on XX/XX/XXXX. 

Moreover, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX never honored the CITIBANK , N.A . arbitration agreement in the attached cardholder agreement and all attempts to get CITI to enforce that arbitration agreement in XXXX went unanswered. 

I made offer to settle this matter with CITI, but instead of settlement of {$2200.00} the bank is paying {$3900.00} to engage in arbitrations and so far has failed to make a timely payment to the 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 2023-12-11 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: IL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX CHARGED ME {$12000.00} in XXXX charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.

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 2023-12-11 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: MS

Complaint narrative:
On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX  CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX  reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX CHARGED ME {$12000.00} in APR charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.

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