vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 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:
Victim of identity theft my documents were stolen from me. As of right now, I am not aware of the suspect whether it's XXXX XXXX, close friend, retail stores or family. I am asking that the reporting accounts, inquires and even the addresses that I am not familiar of to be completely erased from my files. These accounts doesn't belong to me at all. Review each attached files carefully, My identity is attached in the file below along with an additional copy of my identity.

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 2024-09-04 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: NY

Complaint narrative:
The Inquiry transaction - XXXX XXXX XXXX : XXXX XXXX 2023, was not made by XXXX XXXX. It was a violation of 15 U.S. Code 1681c2 in the very least. XXXX XXXX never gave EQUIFAX written consent as according to U.S.A. law, to furnish the inquiry information on the consumer report. No evidence of such written consent is in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide a wet ink contract to confirm the validity of these inquiries or delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists XXXX  civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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:
I reviewed my credit report on XX/XX/year> and I noticed that there are various items that are inaccurate and incomplete. I have submitted several request to Equifax regards to this and they have failed to send the information on how they have verified this information nor have they fixed the inaccurate information. Per 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 reference too. These accounts : XXXX #, XXXX XXXX # XXXX. Are incomplete and inaccurate. Yet they seem to say that everything is complete and accurate but if you check my attachments everything is not accurate nor complete. According to 15 USC 1681s-2A A person shall not furnish any information to any consumer reporting agency if the person knows that the information is inaccurate. According to the law they are suppose to provide the description of the investigation according to 15USC 1681i ( 7 ) Description of reinvestigation procedure and they have failed to do so. Furthermore according to 15USC 1681s-2 they are not suppose to furnish any information relating to a consumer if the person has reasonable cause to believe information is inaccurate. ( Dates, amounts, last activity, balanced owed, date opened, last payment )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 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: TX

Complaint narrative:
My account with Equifax 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.

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.

Equifax 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 non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I received a statement by mail back in XXXX for this account. I called to let them know that I never applied for this credit card and that the charge of {$24.00}. They told me theyd report the charge and close the account. I again received a statement but this time by email letting me know my payment was due. I called again four times on Monday XXXX to get this handled because the fraud charges have acquired interest. The new total is {$51.00}. I let them know this was not my charge and they confirmed that the account was closed. I then got transferred to fraud and security where I was hung up on repeatedly. I called back today XXXX to try again and they are being unhelpful. I was given a number for Fraud, I called and they said that the employee gave me the phone number for collection to collect my past due payment. I again let them know that I never opened this card and they said they are working on it, which is the same thing I was previously told in late XXXX. This is affecting my credit score and I refuse to pay them for a charge that is fraud. They refuse to help me with this. 

Company : Barclay

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-04 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: FL

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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. 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 84

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 2024-09-04 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:
I am writing to dispute the inclusion of an inaccurate account on my credit report. The account in question is as follows : Creditor : XXXXXXXX XXXX Account Number : XXXX Balance : {$6600.00} Date Opened : XX/XX/year> Since the original update Charge off it has been repeatedly updated as charged off every month or recent months. This continuous updating constitutes an inaccurate payment history for a charged-off account. Such misinformation falsely manipulates the statute of limitations. Your failure to properly investigate this account has infringed upon my rights. I demand the deletion of the account immediately. 
The inaccuracies are significantly damaging my credit score In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual you verified with above so that I may follow up. Additionally, I request an updated copy of my credit report following your reinvestigation Despite several attempts to have you correct the errors on my report, this issue remains unresolved. Consequently, I have escalated this to a factual report FOR THE 6th time based on my own investigation. All my reports have been duly documented and saved, along with your failure to correct and/or delete the inaccurate accounts. Given these inaccuracies and your continued failure to rectify them, I demand the immediate deletion of this account from my credit report. If these accounts are not deleted after this factual report I will have to seek the help of the CFPB or Legal Action on the next steps to protect my rights and reestablish my ability to obtain credit. These inaccuracies are preventing me from obtaining the credit and lending rights I require and those requests to my personal and business lending facilities have been duly noted over the past 6 months.

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 2024-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A fraudulent checks were posted to my wells fargo Bank account # XXXX and were paid without proper verifications. Signature were not mine, check sequence were not mine. I have never written any checks from this account to anyone and I hardly use this accounts for any transactions except to receive direct deposit. The first check of {$1900.00} dated XX/XX/year> was paid. the second check of {$2300.00} dated XX/XX/year> was equally paid. I brought both to the attention of the bank on XX/XX/XXXX and they reverted the recent amount of {$2300.00}, close the account but refused to revert the {$1900.00} stating that it was more than XXXX days before I reported the fraud. 
My concern : This fraud was done by Well fargo employees because, no one knows this account # as I have never written a check to anyone from this account. I barely operates this account and I do not get monthly bank statements from this account either. The checks presented were not my checks and have no resemblance to wells fargo checks that was issued to me. The signature does not looks like my signature in any shape and form. it was the responsibility of wells fargo bank to verify my signature before paying any money out. I was told that the checks were deposited over the phone. Regardless, Wells fargo is responsible for verify signature before paying money out. I want my money reverted back to my account. I gave wells fargo my money to keep, now they are blaming me for lososing my money and refusing to own up to their mistake. I have another account with Wells fargo and they call me each time I write a check into my checking account because I do not use the account frequently. But because this was an insider job, they never called me for this 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 monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
**Subject : ** Formal Complaint Regarding Unauthorized Transactions, Lack of Resolution, and Additional Fraudulent Activity **To Whom It May Concern : ** I am filing this complaint regarding unauthorized transactions and the mishandling of my account by CashApp, resulting in significant financial loss and continued delays in resolving the issue. 

On XX/XX/year>, my CashApp account was hacked. The hacker linked their own email, unlinked mine, and repeatedly changed the PIN while I was in contact with CashApp support. Despite being assured by CashApp that my account had been frozen, the hacker still linked a debit card and withdrew {$980.00} at XXXX XXXX  and {$700.00} at XXXX XXXX  on the same day. 

Further investigation revealed additional fraudulent transactions that had taken place before XX/XX/XXXX. These include {$20.00} on XX/XX/XXXX, {$30.00} on XX/XX/XXXX, and {$70.00} on XX/XX/XXXX. All funds were withdrawn to the same debit card, indicating that the hacker had been accessing my account for at least a month prior to the date I first noticed. 

A police report was filed on XX/XX/XXXX when I realized that my funds were being stolen. The individual responsible has been identified and now has a warrant for their arrest. 

For the first two weeks after the breach, I contacted CashApp daily. Despite these efforts, no resolution was provided. An FDIC officer completed an investigation and submitted a report. I was also repeatedly told by CashApp representatives that I would receive an email with instructions on how to withdraw the refunded money. However, this email has yet to arrive. 

I am requesting the immediate return of the {$1800.00} that was fraudulently taken from my account, along with compensation for the inconvenience and delays caused by CashApp 's failure to act in a timely manner. I also request improvements to CashApp 's security measures and customer service. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
At The End Of XX/XX/2023 I Did A Blance Transfer With Citi Bank. Iv Been Paying More Then Minimum Balance Then In XXXX Citi Bank Offered Me A Flex Loan To Pay Off Some Of My Debt I'm Think Great I Can Pay Off My Balance Transfer And Others.Well I Received The Loan And Paid Off A Credit Card And My Balance Transfer I Paid Over {$2000.00} Toward My Balance Transfer Or So I Thought Citi Bank Took The {$2000.00} And Put It Toward My Flex Loan WHY I Paid The Balance Transfer!! Now They're Tell Me All Money I Pay Will Toward The Flex Loan Which I'm Supposed To Pay {$170.00} Per Month If Our Agreement Is For Me To Pay {$170.00} A Month The Why Take All The Money For The Flex Loan THEN To Add Insult To They Told Me I Can't Pay Anything Toward The Balance Transfer And When The Balance Transfer Date Is Up I Will Accumulate 29.99 % Intrest Untill My Flex Loan Is Paid Which Will Cause Servere Finacial Hardship 1 ) Why Wasn't I Told This Up Front 2 ) Why If I Pay My Flex Loan Monthly Bill CAN'T I Pay Toward My Balance Transfer It's A Shame Citi Bank Would Do This Knowing It Would Put Me At A Disadvantage And I Would Never Be Able To Pay My Balance Transfer Until The Flex Loan Is Paid And I Would Accumulation High Rate I Could Never Get Out From Under Like XXXX XXXX Did Citi Bank Did Not Deal In Good Faith

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 2024-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Back in 2019 I attempted to sign up for service with XXXX. They were unable to offer services at our address. 5 years and many phone calls " resolved '' later, I am still receiving collections attempts from this compounding bill that I've never even had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to complain to EXETER FINANCE LLCXXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX is acting in bad faith by attempting to collect on a debt that does not belong to me. The original creditor, HSBC Bank USA, has already acknowledged that the debt no longer belongs to me and is a result of credit card fraud and Identity theft and closed the accounts. However, XXXX XXXX completely ignored HSBC and is incorrectly and malicously reporting my accounts to the credit reporting agencies despite my numerous follow up letters. I am requesting that XXXX XXXX XXXX cease from reporting my closed HSBC accounts to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 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: FL

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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