vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Payment of {$95.00} was made on time on XX/XX/year> ( Closing date ). A report went out to the credit bureaus before the payment was applied on XX/XX/year> ( Causing the ending balance to go over the credit limit ). Ending balance reported to the credit bureaus was {$3100.00} ( above credit limit of {$3100.00} ). The correct ending balance after on time payment should be {$3000.00} ( Below credit limit ). Attached to this letter please find a copy of my Citi Credit Card XX/XX/XXXX statement. Notice on page XXXX where it says : Crediting payments other than by mail. Cut off time for online bill payments, phone payments, and XXXX mail payments will be midnight eastern time. My records show I made my {$95.00} payment at XXXX on XX/XX/year> ( well before the cut off time ) and the payment was still applied on the next billing cycle. This late posting made my account to go over my credit limit. Citi reported to all credit bureaus that I was over the credit limit {$3100.00}. That information is inaccurate. Not only are they doing false advertisement on my monthly statement, but they are also reporting inaccurate information to the credit bureaus. This inaccurate reporting violates the Fair Credit Reporting Act. The correct ending balance after payment and interests for the month should be {$3000.00}. Please help. Thank you.

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 2024-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I mobile deposited a check I received from the dealer as a reimbursement for dmv fees regarding the purchase of my truck. The check sat through a  XXXX day hold and was credited to the account, they took out what I was overdrafted and a balance of {$810.00} was left out of {$870.00}. That same day my accounts online/mobile access was blocked. I immediately called and asked why the block was put on my account, when I was then told that my account was under an initial review by the back office team and I would receive something in the mail. I was told it would be 4 days and theyd have it done on XX/XX/XXXX. On XX/XX/XXXX I called again to see what was going on and because I still had not received any written correspondence in the mail in regards to the availability of my funds or the reason my account was blocked. I was told there was nothing that the representative could do for me and theyd note the account of my call but that they had to get in contact with the back office. On XX/XX/XXXX I called again because I had not heard nor received anything about my account or availability of funds. The representative I talked to told me that my account was still under review and they would note my account. On XX/XX/XXXX I called again and was told that my account was still under review and that my deposited check is being returned, when I asked for more information I was told that was all they had and theyd note the account and Id receive written correspondence about it. On XX/XX/XXXX I called again and brought to there attention Federal Law, XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX & XXXX & XXXX regarding the expedited return of checks and notice of returned checks, because the check was still in my available purchasing power but being withheld from me. I also brought to there attention in the XXXX Edge Account Agreement subpart G Availability Section [ i ] [ XXXX ] [ XXXX ] [ XXXX ], XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ i ] [ XXXX ] [ XXXX ], which proves the check has not been returned because it wouldnt be in my account under available purchasing power. They continue to keep the block on my account and refuse to release the funds to me, still as of today my balance shows {$810.00}. I asked for a complete source of receipt today XX/XX/XXXX showing the returned check, which they refused to provide me with. I brought to there attention Federal Law, Regulation CC Subpart B-AVAILABILITY OF FUNDS AND DISCLOSURE OF FUNDS AVAILABILITY POLICIES Sections XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I continue to get nowhere by having verbal correspondence with them and they continue to violate my rights under federal law as well as their own account agreement.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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:
Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent

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 2024-04-18 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone used my credit to rent an apartment in XXXX Ga and or purchase or lease a vehicle. 

XXXX XXXX XXXX XXXX Ga XXXX I have never lived at this address. 
I have not bought or leased a vehicle in 2018

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 2024-04-18 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: NV

Complaint narrative:
I have asked Equifax to investigate inaccuracies inconsistencies and incomplete information several times now. Each time they update and verify information that is clearly in violation of FCRA including a duplicate account which I will include in attachments. I also asked for a description of the investigation completed which I still have not gotten. I will include attachments to show the inaccuracies and incomplete information Equifax is reporting. Equifax is hindering my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have never open this a XXXX  credit card. some stole my information and had everything sent to my address that is how i knew about everything, this has been on going for years and XXXX  is not doing anything about it. please remove this off my credit report and creditors. i did not open 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 non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have never open this a XXXX credit card. some stole my information and had everything sent to my address that is how i knew about everything, this has been on going for years and XXXX  is not doing anything about it. please remove this off my credit report and creditors. i did not open this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i have never open this a XXXX  credit card. some stole my information and had everything sent to my address that is how i knew about everything, this has been on going for years and XXXX is not doing anything about it. please remove this off my credit report and creditors. i did not open 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 non-monetary relief
Consumer complaint received 2024-04-18 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: PA

Complaint narrative:
XXXX, equifax and XXXX Bank have been notified to remove this item from my credit report due to false information and no legal evidence to prove validation of this account to me and the opened date is false/incorrect. Several disputes have given XXXX factual proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: OH

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this and the company did it without my consent

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 2024-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Columbia Debt Recovery Date ReOpened XX/XX/2022 The Balance on this account was {$4300.00} and now is {$4600.00} This account was previously deleted off credit report before re opened date provided This is my second time writing you are still reporting false information. That you haven't validated. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. 
Receive notification if information in my file has been used against me in applying for credit or other transactions.

Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. i recently applied for extended credit and was denied i am in distress because of your mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: WI

Complaint narrative:
My wallet & phone were stolen while I was out at dinner early XXXX. I got a new phone a day or so later and I noticed some disputes were filed through my bank from cashapp. When I called both cashapp & my bank after I noticed XXXX was missing from my cashapp, I was told this was due to charge back and it was too late to cancel the dispute. On XX/XX/XXXX, the dispute was closed with no error occurring ( which means I should've gotten the XXXX back. However cashapp closed my account and referred me back to my bank who initially referred me to them. Now I am out of XXXX and cashapp refuses to explain anything about my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-04-18 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:
I have notified XXXX, Equifax, and XXXX about a case of identity theft. There is an account and collection account that is in my name that is not mine. I have filed a identity theft report with the FTC and sent it to all three bureaus, but they refuse to remove this fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I have notified XXXX, XXXX, and Experian about a case of identity theft. There is an account and collection account that is in my name that is not mine. I have filed a identity theft report with the FTC and sent it to all three bureaus, but they refuse to remove this fraudulent information.

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 2024-04-18 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: MN

Complaint narrative:
I found addresses and accounts on my Experian Credit Report that does NOT belong to me. I did not recognize the accounts or companies they were opened with. I disputed them with Experian, several accounts were removed but others have not. Experian says that the information was reviewed and correct, but when I reached out to each of the companies of those accounts they were not able to find any accounts in my name, social security number, or phone number. They were unable to assist as I also did not have any account information for them to look up. Experian has not provided me any account information regarding these accounts either. None of these accounts are listed on my credit reports from the other Credit reporting companies.

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 2024-04-18 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've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-18 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: MO

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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:
There are fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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