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

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc.
State: FL

Complaint narrative:
Around XX/XX/XXXX, I sold 3 XXXX toys on the selling app Mercari, after shipping out the orders and receiving 5 star reviews from each buyer I went to withdraw my funds from the apps wallet ( {$310.00} ). During the attempt to withdraw, Mercari limited my account for an unspecified reason. I contacted Mercari support and they said I needed to verify my identity through the app. I completed the verification process and got confirmation but the hold still remained. I spoke to support again and they claim I never uploaded my information. I reuploaded it again for the same result. This went on and on and my funds are still on hold to this day and support still refuses to help any further. This has gone on for over 2 weeks. At this point I just would like to have my money and move on to a different platform. Thank you for any assistance you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I purchased a car I authorized the dealership to run my credit report. They ran my credit several times without my permission giving me 10 inquires on my credit report please remove because this is not helping 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 2024-09-09 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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

Complaint narrative:
I am writing to formally address serious concerns regarding the handling of my identity theft dispute with Equifax. On XX/XX/year>, I submitted a dispute to Equifax, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation. 

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft. 

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report. 
15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done. 
Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization. 

This lack of action on Equifaxs part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly. 

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft. 
A written explanation as to why my request was denied despite my submission of all required documentation. 
Compensation for the damages incurred as a result of Equifaxs negligent and willful noncompliance with the FCRA.

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

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, this is shocking to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

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

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 2024-09-09 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: NJ

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 2024-09-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
DEAR SIRS : C.F.P.B RE : AVANT CARD APLICATION.. INVITATION WITH CODE. 

XXXX XXXX XXXX AVANT THANKS XXXX YOU CREDIT CARD HAS BEEN APPROVED IN {$300.00}. DOLLARS YOU COULD RECEIVED IT IN 7, OR 10 DAYS XXXX XXXX TO XXXX XXXX, 2024... WE ARE XX/XX/year>XXXX  AND IN 1 MONTHS I HAVE NOT RECEIVED ANY CREDIT CARD NOR NOTIFICATION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PERSONAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi Credit Card Account : XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX / XXXX XXXX XXXXXXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX AZ XXXX We are a small size XXXX XXXX XXXX we have been a Citibank customer for over 20 years, I have a Double Cash reward membership credit card. We have over {>= $1,000,000} charged to this account, over the years, that were paid in full at the end of each month. 
While paying ( early ) for my credit card, we just completed a new XXXX XXXX  townhomes project and majority of the new tenants paid their deposit and first month rent in Money Orders. We forwarded those money orders as payment for the monthly balance to XXXX XXXX  with a copy of all Money Orders, and amount to our company XXXX. We did not know that XXXX XXXX  would not accept such payments. No warning and no notification in this direction.Without warning our card we used for over two decades, was no longer active... 
We wrote the bank at least four times, for the reinstatement and for release of the Tank You points to us, and promised to pay through our online banking, future balances, with no success. 
I called and made a request to get our acquired Thank You points back, but never got any communication back about this. The phone number we were referred to us to call for the The Thank You points has is being diverted to overseas call center where I would spent 30-45 minutes to end up in majority of cases with being insulted, even humiliated, or attendant would just hang up, ( interrupted ) call. 
If the company refuses to reinstate the Credit Card account, we acknowledge that that is there prerogative, but the earned Thank points of : 1 % - acquired at the time of purchase, 1 % - acquired at the payment of balance, to be credited to us immediately, as both condition were fulfilled by the account holder. 
Thank You for your cooperation and your help in this matter. 
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 2024-09-09 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: GA

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 2024-09-09 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: CA

Complaint narrative:
Hello, please carefully check and read this complaint, as there are highly questionable and inaccurate items being reported on my credit, this is absolutely frustrating. This is negatively affecting my life and scores which is so unfair it is stressing me out.

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

Complaint narrative:
My account with XXXX XXXX was never late I have had an exceptional payment history with XXXX XXXX and all payments were placed on auto pay. These late payments that is reporting is as a result of a systematic error at the end of processing my payment this was clearly a billing error made by the company and its not a reflection of my payment experience which violates USC code 1681EB. 

This error has caused severe hardship to my reputation, my character, my mode of living and my family! I can't get approve for a home.

I demand you delete payments reported in ( Months reporting late ) to be removed.

They are not in compliance with the following laws. USC 1666b and its requirements set the standards and the guidance for a creditor to treat payment as lit yet they are reporting a payment as late and they did not comply with the law!

15 USC 160 B time to make payment a creditor may not treat a payment on a credit card account under an open and consumer credit plan as a late payment for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( credit name ) 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 to rule 1002 and it was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I called and spoke with a banker from Wells Fargo about the ATM FEES increasing from {$2.00} to {$3.00} on my first Transaction in XX/XX/year>. XXXX could not locate anywhere in Wells Fargo Disclosure that was an effectived change with the NON- Wells Fargo ATM Fees. Of course I did record the entire conversation with the banker. 

I Noticed Wells Fargo has continue to offered three ( 3 ) features to accountholders One ( 1 ) Stop Future Payments, Two ( 2 ) Stop Future Reacurrings, Three ( 3 ) Stop a Check. When I click upon my information, I previously put into place ( with Confirmination # 's ), I notice All I see is a negative amount of {$190.00} that is presently being disputed. Of course I did take a picture of the information before Wells Fargo Stop Payment Department decided to take my requested information from over a year down last month to justify the reason a check was paid, but should have been stopped. I have several friends that are customers with Wells Fargo, and I have seen their information is still showing for them to use Stop Payment Information presently or in the near future. Why has my requested information has not been visible for me to review?

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 monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
The information I'm receiving from MOHELA and Federal Student Aid are conflicting and confusing. 
Since I have been enrolled i

n the PSLF program, three of four loans have been forgiven. I was informed by MOHELA a few months ago that only 116 payments
were eligible for the fourth loan, however, I was always believing each payment was divided between all four. So, I was thinking after four more payments the fourth portion would be forgiven also. 
Now today I'm being told that the estimated payoff date is XXXXXXXX 
Federal Student Aid asked me to again verify my federal employment, which I did. 
Now my PSLF is in review again, last notification was XX/XX/XXXX 
I have almost XXXX years of XXXX XXXX and planning to retire soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX  XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries 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, collections, and hard inquiries are the result of identity theft and fraud.

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