vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
Direct violation of FCRA by reporting inaccurately to Credit reporting agency. Account listed as Charge off/Written off and reflecting as amount owed when being converted to income with IRS by being written off. No forms have been delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
Direct violation of FCRA by reporting inaccurately to Credit reporting agency. Account listed as Charge off/Written off and reflecting as amount owed when being converted to income with IRS by being written off. No forms have been delivered 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 2024-10-09 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
Personal histories have been disclosed to third parties without my permission. Personal information have been reported besides the law that prohibits the creditors from reporting personal information by Affirm and XXXX. 

15 U.S. Code 6802 - obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Called my husbands phone. Said they were sending the debt to lawyers. The total would be added to my debt. My spouse said it was my debt and his name wasnt on it. The the person asked why I wasnt on more of a leash. Asked if I stopped paying because I lost my job XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He cursed at him and treated to XXXX XXXX XXXXXXXX! Inexcusable! This company has also made called to me as early as XXXX and as late as XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NJ

Complaint narrative:
My account with 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 60 days 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.

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 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 2024-10-09 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: CA

Complaint narrative:
Regarding XXXXXXXX XXXX Tradeline ending in account number XXXX. XXXX factual dispute to Transunion. XXXX sent method of verification to Transunion XXXX XXXX sent method of verification follow-up to Transunion. XXXX Replied back with updated & verified status. XXXX another round 1 dispute to Transunion. XXXX sent another round 2 dispute to Transunion XXXX XXXX sent another round 3 to Transunion XXXX XXXX sent another and final round 4 dispute to Transunion 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 2024-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: AZ

Complaint narrative:
I requested to open an online savings account with Cit Bank and after I was approved and the account was opened it asked me to fund it. So I requested to transfer {$25000.00} of funds from 3 of my accounts. This took them 3 days and then my source accounts were debited the funds. Immediately after they debited the funds they then locked me out of my account. I called to get my account unlocked and was told that they will not unlock it because they have decided to close my account and end our relationship. I asked why this is happening and why they didn't deny me before approving me and taking my funds but they would not answer and would only tell me that they have decided to end our relationship. Now the funds have not been returned to my source accounts and I do not have an account with Cit Bank to log into.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ADP Inc.
State: CA

Complaint narrative:
Summary of the Incident : On XX/XX/XXXX, I initiated a transfer of my salary, totaling {$1200.00}, from my Wisely account to my XXXX account. Shortly after the transaction, I feared I may have entered an incorrect account number. I immediately contacted Wisely 's customer service, requesting a dispute or to cancel the transaction. I also asked for the transaction details to verify the account number I had entered. However, Wisely 's representatives informed me that they could not provide this information due to currency regulations. 

I was then advised to wait 2-3 business days to see if the funds would be rejected by XXXX and returned to Wisely automatically. Despite my follow-ups, this matter remained unresolved for weeks, and I was eventually told to wait until XX/XX/XXXX for further updates. Wisely instructed me to contact XXXX directly to trace the transaction. 

Issues with Wisely 's Handling of the Situation : Failure to Provide Key Information : Wisely refused to provide me with the transaction details necessary to verify whether I had entered the correct account number, leaving me in the dark about the status of my funds. 

Incorrect Advice and Prolonged Resolution : Despite my continuous follow-ups, Wisely kept advising me to wait without providing a clear solution. When I contacted XXXX, they informed me that the TRACE number provided by Wisely was from an external bank, and they could not trace the funds. 

Lack of Responsibility and Documentation : When I requested Wisely to take action directly with XXXX, their representatives indicated that it was my responsibility to resolve the issue. Furthermore, they refused my request for written documentation or email confirmation of the status of my case. 


As of now, the {$1200.00} remains unaccounted for, causing significant financial hardship. I believe that Wisely has failed in its duty to provide adequate customer support, transparency, and accountability in handling my funds. Their refusal to offer any documentation or escalate the issue properly has made it impossible for me to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union has discriminated against my person. They have taken my accounts over and Blocked me from making deposits. That is unfair business practices. They have defrauded me. And attempted to XXXX property they have no authority to XXXX. They are blocking the treasury for XXXX XXXX XXXX XXXX IS THE NON-PROFIT in which I am the treasurer. We have a family of organizations under XXXX XXXX XXXX XXXX, which is a series XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because of this I am falling behind in making payments on my bills and because of this I am unable to fulfill my obligations as the XXXX. I have people and clients depending on me. 
I would like to be remedied XXXX in my account so that I can make the necessary payments and remidy me for {$20000.00}, XXXX for my fee as the rep for said accounts respectfully, Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge Off XXXX XXXX XXXXXXXX Collection 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 2024-10-09 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: WI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-10-09 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: NJ

Complaint narrative:
I contacted all XXXX credit reporting agencies XXXX, XXXX, Transunion, and XXXX ( the creditor ) multiple times int he last year, most recently the last XXXX  days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from XXXX has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with XXXX 's customer service department and charge-off department. XXXX 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all XXXX  credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all XXXX credit agencies several times each and they told me that XXXX must be reporting it wrong and that is why it is not showing accurately as a charge off. 

The account status remains " In repossession '' rather than " Charged off '' today, almost XXXX  years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.

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 2024-10-09 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2024-10-09 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 am filing this complaint against Equifax for multiple violations of federal law regarding fraudulent accounts on my credit report. Despite providing a police report and FTC Identity Theft Report, Equifax has failed to remove the following fraudulent accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2.

Violations : Failure to Block Fraudulent Accounts in Violation of 15 U.S. Code 1681c-2Under 15 U.S. Code 1681c-2, Equifax must block the reporting of fraudulent information within 4 business days of receiving my identity theft documentation. Despite receiving both my police report and FTC report, the following fraudulent accounts remain on my report : XXXX. XXXX Bank Account # : XXXX : {$1700.00} - Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account # : XXXX : {$800.00} - Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX : {$1200.00} - Opened : XX/XX/XXXX Violation of XXXX XXXX Code XXXX - Permissible Purposes of Consumer ReportsEquifax continues to furnish my credit report to third parties without my written consent, in violation of 15 U.S. Code 1681b XXXX I did not authorize the reporting of the above fraudulent accounts, which constitutes identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: GA

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 non-monetary relief
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: GA

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 non-monetary relief
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
I am deeply disappointed from the results of my last complaint- and I want you to know once again that these discrepancies in my report have become detrimental on my mental health because of how badly they are affecting my scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiries : XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: AZ

Complaint narrative:
RE : White Chocolate Grill Fraud Charges To Whom it XXXX concern : I have requested Citi Card STOP payment to XXXX XXXX XXXX in XXXX, XXXX. Citi card did NOTHING to investigate. The merchant has been nonresponsive to me and to Citi card. Citi card didn't even ask them to provide proof of a receipt. I have reached out to the BBB and the merchant didn't respond to them either. 

My citi card ends in XXXX and my address is : XXXX XXXX XXXX XXXX XXXX, AZ XXXX I can be reached at : XXXX to verify my account. 
-- -- Here is a summary of what happened and was requested of Citi XXXX. 

We visited XXXX XXXX XXXX on XXXX on XX/XX/year>. The reservation was under XXXX for XXXX. Our order was as follows : XXXX shrimp XXXX app XXXX egg roll app XXXX fish meal that was dry and terrible and the server agreed to comp the meal XXXX other entre XXXX glass of champagne XXXX espresso martini XXXX mules XXXX other drinks I think they were XXXX gimlets XXXX desserts We saw a charge of {$340.00} on our account and have since asked for the receipt multiple times. The restaurant refuses to provide us with a receipt and can not provide proof our meal was {$340.00}, especially with the comped entre. We believe that our check was changed or fraudulently altered. As no one will call us back with a receipt email or text it we have no faith that the charge is accurate and it seems highly inflated. We are asking Citi to please stop payment on {$85.00} of this total bill as we have no receipt and the restaurant will not provide XXXX. 

Please stop payment on {$85.00} of the {$340.00} charge until the receipt is provided. 
Thank you. 


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 non-monetary relief