vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
I would like to address my recent review of the credit report obtained from your bureau. Upon careful examination, I noticed reported late payments on my accounts, which I dispute as incorrect information. 

I have taken the necessary steps to investigate and identify any delayed payments. I am pleased to inform you that other credit bureaus have already removed these late payments from their records. I am concerned about the discrepancy in reporting between your bureau and the others. 

Regarding the specific accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: KY

Complaint narrative:
It is my sworn statement that the below listed account is not mine and needs to be marked for identity theft and deleted immediately as I did not originate this account. Pursuant to 15 USC 1681c-2 please delete this fraudulent account. US DEPT ED XXXX SEE ATTACHED IDENTITY THEFT REPORT. 

That fact that this account was verified is ridiculous and your agency may be setting itself up for a lawsuit. This is a fraudulent account that I never created. According to the FCRA, more specifically 15 USC 1681i, a REAL re-investigation must be performed immediately and this needs to be deleted.

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 2024-07-15 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: KY

Complaint narrative:
It is my sworn statement that the below listed account is not mine and needs to be marked for identity theft and deleted immediately as I did not originate this account. Pursuant to 15 USC 1681c-2 please delete this fraudulent account. US DEPT ED XXXX SEE ATTACHED IDENTITY THEFT REPORT. 

That fact that this account was verified is ridiculous and your agency may be setting itself up for a lawsuit. This is a fraudulent account that I never created. According to the FCRA, more specifically 15 USC 1681i, a REAL re-investigation must be performed immediately and this needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Gave a {$100.00} prepaid debit card to my daughter for a birthday present. She went to use it at the mall and it was declined as it had no PIN number associated with it. US Bank claims it was fraud and shut down the card. Have mailed in copies of Driver 's license and card info, only to be told the FAX was not legible. Then tried faxing in twice, only to be told wrong format or not legible on their side. US Bank will not provide alternate way to upload picture or pdf of license and locked card of better quality. Always get different information from their reps, go back to website, ( but card is locked- so directs you to call in again. ) Then direct you to fax in again. ( But fax quality on their end is horrible, so at a stalemate. ) I have put in considerable effort to get the {$100.00} on the card back to us, but to no avail. Sounds much like the issues they had back in XXXX with prepaid debit cards. 
Would like to be part of a class action lawsuit if they can not figure this out.

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 2024-07-15 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: NJ

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 ( MONTHS REPORTING LATE ) 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: Advance America, Cash Advance Centers, Inc.
State: GA

Complaint narrative:
Company has not contacted me regarding this information on my credit report and I want it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX Document Date : XX/XX/2024 EARLY WARNING SERVICES , LLC ( hereinafter " Company '' ) XXXX XXXX XXXX XXXX XXXX, AZ XXXX ATTN : OPT-OUT DEPARTMENT Re : PERMANENT OPT-OUT OF PREAPPROVED OR PRESCREENED OFFERS OF CREDIT/INSURANCE To Whom It May Concern, Please accept this letter as my formal request to remove my name permanently from the lists that your Company provides to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. under the Federal Law, you are required to comply. 

I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : FULL NAME : XXXX XXXX XXXX SOCIAL SECURITY NUMBER : XXXX DATE OF BIRTH : XXXX  ADDRESS : XXXX XXXX XXXX XXXX. XXXX XXXX PHONE NUMBER : XXXX EMAIL : XXXX After this Permanent Opt-Out has filled, please send me written confirmation to the address listed above. 

I sent this notarized letter via certified mail to confirm my identity and ensure that this request will be processed. 

Your immediate attention to this matter is appreciated, thank you. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After XXXX complaints against Macys in XXXX, both resolving in closing my account and paying me, I received a replacement credit card in the mail on XX/XX/XXXX. I did not request this card and have not had an account with them since XXXX per the prior XXXX resolutions. Macys sent this card to an address that they never had on file. XXXX of the letters they sent me even references the fact that my account was closed.

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 2024-07-16 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: WI

Complaint narrative:
My account with XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citi Bank account has been locked for the past two months, resulting in a complete loss of access to my funds of XXXX XXXX This situation has caused me substantial financial and personal distress, as I have been unable to manage my regular expenses, pay bills, or access my checking. 


Attempts to Resolve : I have contacted Citi Banks customer service multiple times and visited my local branch, but unfortunately, the issue persists. I have tried my best to follow the instructions of waiting for the re-verification letters. However, this letter is never delivered to my place. They continued saying that this letter was the only way that I could unblock my account. I have requested to resent the letter many times, but I still haven't received this letter for two months. 


Impact : Financial Stress : I have incurred late fees on bills and home loan obligations due to the inability to access my funds. 
Personal Distress : The uncertainty and lack of access to my finances have caused significant stress and inconvenience. 
Lack of Communication : The responses from customer service have been inadequate, and I have not been provided with a clear timeline for resolution.

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 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NC

Complaint narrative:
Discover bank Amount owe {$600.00} Written email that have it remove off my credits card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
XX/XX/XXXX I met a lady online, she had a XXXX XXXX because of her economic status. She is a XXXX  foreign national. She convinced me to sign onto an XXXX XXXXXXXX XXXX platform. I started with {$500.00}, made a little profit and was able to withdrawal the funds. Days later I invested {$2500.00}, made another profit and was able to withdrawal and return to a bank account. XX/XX/XXXX I requested the first wire transfer from USAA and subsequently XXXX other wire transfers XXXX and XXXX. 
Under the direction and step by step instructions from my lady friend I invested into what I thought was the crypto market. By XXXX, I had accumulated over XXXX according to my account on XXXX but in order to withdrawal they requested I pay them 10 % for taxes. 
My financial advisor convinced me I should not send them anymore money or continue. The lady friend said I should continue to receive my money. I stopped and contacted a XXXX party to help me recover my funds. 
After letters to USAA for reimbursement we contacted CFPB for help and USAA refused the first request. This is now a rebuttal and hoping it will convince USAA that I was duped into a scam crypto investment scheme. 
Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Since XX/XX/year> I have been trying to complete a double consolidation covering 6 PLUS loans ( presently serviced by XXXX ) obtained for my 2 sons educations. Utilizing XXXX XXXX XXXX and XXXX form XXXX, along with all relevant documentation, I submitted packets to Aidvantage and NELNET, splitting the six loans between the 2 servicers. XXXX quickly processed the 3 loans. NELNET never responded. After contacting them I was told that they had no account. I then sent the the loan request to XXXX. After further weeks of no contact I sent the request to XXXX. Many more weeks of no contact. A month ago I resent the application to NELNET. Yet again, no contact. I have had no communication with the other 3 servicers so have no idea what might be the problem. 
All applications were sent via USPS certified mail with return receipt. Not a free service by any means. I have gotten all return receipts acknowledging that they were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I been sued for a time barred debt. Its credit card with the last payment being made in XXXX XXXX. They also lied and said the last payment was in 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 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

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 explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: CO

Complaint narrative:
{$210.00} Open balance SUMMIT A R Original creditor XXXX Opened XX/XX/year> ( 3 yrs, 0 mos

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Im not sure of the exact dates and/or amounts, but I have filed multiple disputes and no actions have been taken by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX : {$1800.00} XXXX XXXX Balance : {$2000.00} XX/XX/XXXXL XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-07-15 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: GA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 8

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 2024-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
Dear Sir/ Madam I am unaware of this debt and did not have an opportunity to dispute this debt. I did not receive the proper notification. If in fact if you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating I received it. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: MN

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