vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mobiloans, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> MobiLoans , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MobiLoans, I hope this letter finds you well. I am writing to request a goodwill adjustment for my XXXX ( Account Number : XXXX ), which has been paid off in full. 
Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms. 
Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-07-13 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:
I looked at my report and noticed some incomplete and inaccurate things, according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report, it follows reasonable procedures to ensure the maximum possible accuracy of the information. 
I sent a letter asking them to reinvestigate the accounts listed below. 
1- ACCOUNT NAME : XXXX XXXX. ( ACCOUNT NUMBER:XXXX  2-ACCOUNT NAME XXXX XXXX XXXXXXXX ( ACCOUNT NUMER : XXXX 3-ACCOUNT NAME : XXXX. ( ACCOUNT NUMBER: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 2024-07-13 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: NV

Complaint narrative:
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX Partial Acct # 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 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NH

Complaint narrative:
On XX/XX/24 at XXXX I used cash App to pay someone {$400.00}. The recipient did not receive payment. I contacted Cash App customer service XX/XX/24. The agent I spoke with, XXXX, asked me if I had business with anyone in Pennsylvania, Sourh Carolina, and or California. He told me that my account was put on hold. We were then disconnected. He called me back and asked me to access a few different apps ( XXXXXXXX XXXX  and others ) Nothing was figured out and once again disconnected. 
I called back several times and got a very rude agent! After several disconnects I gave up as I was working and had already spent XXXX on the phone with CS. 

I spoke with the recipient of the {$400.00} I sent the money to. She also contacted Cash App CS. The agent she spoje with wanted her to send a picture of her passport, or green card to verify her identity. She refused. 
Any help, suggestions, etc that you may be able to provide me would be greatly appreciated. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
It has been about 2 years now i been trying to get false information remove from my credit reports in each letter i ask for proof i been asking for what they see that shows that it was me not one bank provides accurate information or proof all i got back in my letters was i open the account i never said i didn't open the account but when it came to fraud on my account which leaded to a negate balance and ended on my reports i ask for proof that shows accurate of me inside the bank depositing money with a teller which they couldnt show because i wasn't never at the bank, never deposited money with a teller i also have the checks that was deposited into my account it came in my mail from the bank actually something i didnt deposit which lead to my acount to be close didnt get an email or call from the bank yall just let anyone get access to people banks thats sad then

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 2024-07-13 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: FL

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

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

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

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

Company 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 2024-07-13 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: CT

Complaint narrative:
I recently reviewed my credit report and I noticed unrecognized and fraudulent Hard Inquiries. I would like them removed from my credit report. I have also filed a complaint with the FTC reference # XXXX XXXX XXXX  XX/XX/XXXX Equifax Mortgage Service XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX Domestic Wire Transfer {$22000.00} Wire Transfer domestic sent from XXXX to XXXX XXXX XXXX Texas This was done on XXXX between XXXX and XXXX I then realized that I just had been scamed and frauded out of my funds I imediately drove back to 5/3 and told them of the situation They contacted there fraud and secuity dept as well as the fraud dept forXXXX XXXXXXXX XXXX I was told that both banks were working on my case and everything should be ok. 
I was given a copy of the transfer aggrement and found that an associate of 5/3 was to ask me a series of questions prior to sending those fund s. This procedure was to help secure my money and safegaurd it The proceedure was never disussed with me and the fraud was completed. I can assure you that video and audio of this transaction will prove bank negligence in the LOSS of my {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: GA

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. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to Privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These are Fraudulent accounts and need to be removed from my Credit Report.

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 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I had previously filed a CFPB complaint ( XXXX ) since AMEX refused to waive a late fee because of an honest misunderstanding. This is a new card so I was under the wrong impression that Autopay was set up. But when I realized this issue, I immediately paid the full statement balance just 1 day late. AMEX responded to my complaint with some fine print in the card member 's agreement even though it is standard practice to waive the late fee for a genuine case like mine. 

And now comes the cherry on top - a week after they charged the late fee, they also charged me interest on the statement balance for the entire month. This is the same statement balance that I had paid in full a day after it was due. I contacted them again and they again refused to accommodate my request to waive the interest and shared some fine print rationale again. 

In summary, a new cardholder ( myself ) had set up bank information but autopay was not activated. A day after the first statement balance was due, I realized the issue and immediately activated autopay. But AMEX charged me a late fee and also the entire month 's interest. And their agents couldn't help waive it and neither did the first CFPB complaint. First of all, this is extremely poor customer service. But then on top of that, for a small late fee and interest amount, you are spending agent resources only to share some fine print with customers who complain to you. And also completely throwing away a customer relationship that could have been profitable for the business. 

I genuinely hope that someone in AMEX is taking this feedback to make some serious improvements to how they run their shop.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Date : XX/XX/year> To whom it may concern, I am writing to request an investigation of the following information on my credit report, that was Previously removed and got re added back by you guys, however the other credit reporting agencies have removed them The charge-off of an obligation with ; XXXX is not mine ; I am not responsible of this account, The charge-off of an obligation with ; XXXX XXXX XXXXXXXX is not mine ; I am not responsible of this account, The Collections with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX are not mine ; I am not responsible of those accounts, I am a victim of ID theft. People have use my information to open them and also make fraudulent activities. 


To further support my claim, I have attached documentation including : the police report from the identity theft complaint, Also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

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

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

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

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

Company 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 2024-07-13 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX  Date fraud began XXXX Date that I discovered XXXX Total fraudulent amount : {$500.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$5300.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/2024 Date that I discovered XXXX Total fraudulent amount : {$320.00} Company or Organization : XXXX XXXX XXXX Date fraud began:XXXX Date that I discovered it:XXXX Total fraudulent amount : {$220.00} Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1681b 2 company has also no permission to report Anything using my info pursuant to 15usc 1681 4

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information thus from an alleged identity theft, not later than XXXX business days after the date reception. 
It has been XXXX days and you are in XXXX of this law because I am a victim of identity theft!!! 
Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in XXXX under, XXXX XXXX XXXX XXXX Permissible purposes of consumer reports in general to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the XXXX INSTRUCTIONS consumer to whom it reaches. I NEVER GAVE any consumer reporting agencies to report anything on my consumer report which violates my rights as a consumer. 
NO CONSENT IS IDENTITY THEFT. As a consumer who is demanding the deletions of the accounts listed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear JPMCB card services, I hope this letter finds you well. I am writing to request a goodwill adjustment for my PMCB card services ( Account Number : XXXX ), which has been paid off in full.

Due to Covid-19 pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused.

I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward.

I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FL

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Round Up Ventures, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XX/XX/year> Re : Account Number XXXX Dear XXXXLendly, I hope this letter finds you well. I am writing to request a goodwill adjustment for my XXXX/Lendly ( Account XXXX ), which has been paid off in full. 
Due to XXXX pandemic and the impact it had on the economy, I lost my job as I was laid-off by my company as it attempted to cut down on labor to withstand the pandemic losses and also during this period, I had a medical emergency as I was exposed to the virus and due to this, I experienced financial difficulties that resulted in missed payments on my account. I take full responsibility for these late payments and deeply regret any inconvenience they may have caused. 
I am pleased to inform you that I have since paid off the account in full and have taken significant steps to manage my finances more effectively. This experience has been a valuable lesson, and I am committed to maintaining a positive credit history going forward. 
I am currently in the process of preparing to purchase my first home, a significant milestone for me and my family. These late payments and eventual charge-off on my credit report are adversely affecting my credit score and my ability to secure a mortgage with favorable terms.

Given my efforts to rectify this situation, I kindly request that you consider removing the late payments and/or the charged-off status ( paid in full ) from my credit report as a goodwill gesture. This adjustment would greatly assist me in achieving my goal of homeownership and provide a fresh start as I move forward. 
For your reference, the account number used by the credit bureaus is XXXX. 
I sincerely appreciate your understanding and consideration of my request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation