vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-04-02 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: MD

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XX/XX/year> Wells Fargo sent an Escrow Review Statement indicating my escrow account had a shortage of {$9900.00} and stated that my mortgage would double from {$1300.00} to {$2700.00} on XX/XX/year>. 
Starting in XXXX I made several calls to agents to determine how the escrow had increased substantially. Agents informed me that the escrow account included the property taxes for two parcels. That information was incorrect because the two parcels were separated by a Partial Release before the closing of the refinance of one property was completed. Wells Fargo and the Title company had failed to present the Partial Release for filing with XXXX XXXX. 
After Wells Fargo recognized its internal error, they sent the Partial Release documents to me to be filed with XXXX XXXX. The document was filed and returned to Wells Fargo in XXXX. The Bank failed to complete the recalculation in time for the XXXX payment. The XXXX payment with the adjustment should have been {$1900.00}, instead it remained at $ XXXX {$800.00} more than it should be. 
Calls to the Executive office on XX/XX/XXXX have not yielded the desired correction of the mortgage amount. The Executive office could not provide a specific time when the problem would be resolved. 
This has caused grave inconvenience, financial strain, and absorbed countless hours speaking with numerous escalation specialists and personnel in the Executive Department.

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 2024-04-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
The account listed below, which still appears on my credit report even after an re-investigation, I would like this item immediately to be removed and investigated and inaccuracies are highly injurious to my credit score account name XXXX number XXXX in accordance with the fair credit reporting act public law 91-506 title VI section 611 subsection A-D please provide the name and business address of each individual with whom you verify the above so that can follow up please send me updated copy of my credit report after your reinvestigation.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX  Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
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. Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: IL

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2024-04-02 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Per the Fare Dept Collection Act the lender must provide notice of past due before posting to your credit report. The loan was shown 30 days late for XXXX of 2023. Per XXXX at XXXX XXXX the only letter I was sent was on XX/XX/year> letting me know the account was going to be XXXX days late which I received. I even had XXXX XXXX XXXX  pull my phone records to prove I was not contacted. XXXX told me they didnt have to notify me, and even gave me a wrong email address. Per the law I can record a conversation I am part of. I was handling another complaint I filed that they posted the payment XXXX times to the wrong checking account. She refused to acknowledge what I told her, and when she found out I was recording the conversation for legal use she hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: OK

Complaint narrative:
Ive been getting my children 's social security disability payments as payee for almost 20 years now. For over the last 10 years, ive had an account for a one way checking account through XXXX XXXX from the XXXX Treasury by way off Comerica bank located in Texas, i reside in Oklahoma. 

Never had one issue with them holding my money XXXX until the last year or year and a half ( XXXX ). We are poverty level, me and my boys. All i try to do and want to do is pay my bills and scrape by for the entire month and try to survive as a single parent. For convenience, i pay people back loans and pay my bills thru apps like cashapp, paypal, XXXX pay. Every month they block me from my own money and I'm punished for using cashapp and/or spending a few XXXX at XXXX so things can be delivered because its illegal for me to drive, i have XXXX. Same reason i use XXXX prime. I have autistic kids and no way to get anywhere! 
I always get different excuses when i call, about it being my fault i dont use my card the exact amount and exact website in order as i did the month before. This time i was gaslighted, talked over, ignored, and one of the women employees hung up on me and kept interrupting me. They tell me the block resets automatically after XXXX hours, thats a lie. Its been XXXX hours now. Hundreds of dollars in my account and i made 2 transactions before it was blocked. Last m9nth i was charged interest on a credit card i got to specifically rebuild my bad credit trying to elevate myself .... My credit score has lowered XXXX points now because of them. I have planned on paying the entire bill down to a XXXX balance which is due tomorrow XX/XX/year> and have over twice that in my account that im being held XXXX for by the bank, comerica. I know XXXX good and well that they can reverse the block immediately on the computer because theyve done it before. Theyre just refusing to help me. Now my phone is shut off, unless i can connect to wifi for my unstable email XXXX number and it drops calls constantly. Im under extreme stress constantly and this gets pulled on me every single month. My XXXX XXXX is sky high all the time. People need to be warned about th8s!! Comerica bank us corrupt. Give me my money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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 believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
XXXX, XXXX, & Equifax are reporting incorrect information on the account listed as XXXX there are several inconsistencies which means this account has not been properly validated because its impossible to report XXXX different ways. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: TX

Complaint narrative:
XXXX, Experian, & XXXX are reporting incorrect information on the account listed as XXXX there are several inconsistencies which means this account has not been properly validated because its impossible to report XXXX different ways. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or REMOVAL of the following erroneous information on my credit report : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
I receive my ssi benefits every 1st of the month on to my XXXX XXXX card. I called to check my balance on my card today XX/XX/XXXX and it stated that my ssi benefit was deposited on XX/XX/XXXX of about {$1200.00} and that my balance is now {$0.00}. How could my balance be {$0.00}. The lady said she saw over XXXX transactions all today for {$8.00} draining my account of all my funds and then transferred me to the fraud department where I was forced to wait on the line for over XXXX and a half hours only to be told that I have to verify my identity by emailing a pic of the front and back of my drivers license before they can look at my account and then I would receive an email to call back. That sounds like Im being given the runaround so Im filing a complaint to resolve this before I lose my section 8 for missing my rent payment. So I sent the email with my Drivers License front and back earlier today and still havent received any correspondence as promised by the end of today. Why did they let this happen? I need my money to pay my rent, bills and food today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: OH

Complaint narrative:
I am disputing do not relate to any transactions, I was informed by XXXX XXXX that my chances to obtain a credit card with XXXX XXXX were excellent & it would help me grow my credit. XXXX XXXXXXXX XXXX is reporting on my credit report as a hard inquiry. XXXX XXXXXXXX XXXX was never approved by me nor did I give any consent/permission to publish the inquiry on my credit report. A hard inquiry statue is two years and it's still reporting on my inquiry, while XXXX XXXX XXXX have removed the inquiry.

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 2024-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened the savings account XX/XX/XXXX. There is XXXX dollars plus the 4.5 % interest in the account from my XXXX XXXX checking account. I received a Letter from Marcus Goldman Sachs about them closing my savings account dated XX/XX/XXXX saying to transfer money before XX/XX/XXXX when the account closes. I tried to log on to my account and it says its locked today on XX/XX/XXXX. On XX/XX/XXXX On the phone for 37 minutes with multiple people saying they cant unlock my account or wire transfer my money from the account saying I needed to call back and talk to some one else.

Company response to consumer: Closed with explanation