vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604a Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Account number - XXXX XXXX XXXX XXXX Fifth third Platinum Credit card Account number - XXXX XXXX XXXX XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: FL

Complaint narrative:
I am writing to bring to your attention a matter of significant concern regarding the handling of my credit report by the credit bureaus. Despite their assertions of conducting a thorough investigation into reported inaccuracies, it has come to my attention that such investigation was not carried out effectively. 

Upon thorough review and investigation of the supporting documents provided, including an identity theft report and attached police report, it has become evident that certain accounts have been inaccurately attributed to me. As per my rights under the law, specifically XXXX XXXX XXXX XXXX A, I request immediate action to rectify this situation. This law also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts, which I believe to be the result of identity theft, must be promptly removed from my credit report : XXXX. XXXX XXXX - Account ending in XXXX XXXX. XXXX XXXX XXXX. XXXX - Accounts ending in XXXX and XXXX XXXX. XXXX XXXX XXXX - Account number XXXX XXXX. Possible Financial I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure that the credit bureaus conduct a thorough and proper investigation in line with the law. Your prompt attention to this issue and assistance in resolving it would be greatly appreciated. 

Thank you for your time and assistance 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 2024-06-09 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:
I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year> I sent a XXXX payment totaling {$1800.00} in exchange for concert tickets. The payment was sent to someone I know and trust. But their XXXX had been hacked and I never received the tickets. 

I immediately reported the incident to citibank, XXXX, and XXXX. All institutions have done nothing to bring the situation to justice. My friend still can not access his XXXX profile and the hacker is scamming more people. Citibank did not refund me, provide information on the hacker, or shut down accounts. I spoke with several customer service agents and sent a letter requesting an investigation report but I haven't received anything. I have spent more than 24 hours on this and feel stressed about losing a large amount of my hard earned money that is inconsequential to citibank.

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 2024-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute and request the removal of a fraudulent secured credit card account from my credit report. The account in question was opened at Citi Bank on XX/XX/year>. This secured card, originally with a limit of {$500.00}, was fraudulently used and incurred a negative balance of {$3200.00} before being closed on XX/XX/year> leaving a total balance of {$4000.00} I wish to state unequivocally that I had no knowledge of this account and did not authorize its opening or any transactions associated with it. Despite contacting all three major credit bureaus ( XXXX, XXXX, and XXXX ) to report this fraudulent activity and request the removal of the account from my credit report, I have received no resolution. Additionally, my attempts to resolve this matter directly with Citi Bank have been unsuccessful, as they continue to hold me responsible for the fraudulent charges. 

Given that this account was opened and used fraudulently, I request the immediate removal of this account and all associated negative marks from my credit report. Enclosed with this letter are copies of my correspondence with the credit bureaus and Citi Bank, as well as any other relevant documentation that supports my claim. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and the correction of 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 2024-06-09 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 am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. Equifax 's customer service requested for me to turn in the full FTC report in order for this account to be removed due to XXXX. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX fraudulently changed the account number for this account. I contacted Equifax 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by Equifax, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX for Address Update Dear Sir/Madam, I am writing to request an update to my address information on my credit file. Please update my records to reflect my current address as follows : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Personal Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Employment Status : Unemployed If you need any additional information, please do not hesitate to contact me at the address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: OK

Complaint narrative:
I pulled my free annual credit report because i was in the market to buy a home and my family when I received my report i was shocked to see what was on it. It caused me great stress because i hade no idea that the accounts on my credit report was not mine so i filed a identy report to have those items removed from my credit report and I notified my bank and had them to freeze all my accounts until further notice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: OK

Complaint narrative:
I pulled my free annual credit report because i was in the market to buy a home and my family when I received my report i was shocked to see what was on it. It caused me great stress because i hade no idea that the accounts on my credit report was not mine so i filed a identy report to have those items removed from my credit report and I notified my bank and had them to freeze all my accounts until further notice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
This is borderline fraud I am facing. I have spent so much money on an item that I did not get to use. I ordered a custom dress from XXXX XXXX on the DATE of XX/XX/year>. I ordered a dress for my XXXX XXXX in enough time in hopes that it wouldve came in time, which I expressed to you guys many times in my attempts to get my money back! It did not come on time. In the evidence Im giving you, the company STATES many times that they will have my dress ready on time and that I would receive it beforehand that did not happen. That was the first lie this company has told. I did not receive the dress until XX/XX/XXXX. XXXX DAYS after my XXXX, I spent XXXX dollars on this dress that did not come until after it was needed. I pleaded with them, they RUINED my XXXX As the screenshot says, They STATED THAT THEY would refund me if I shipped the dress back, AS I DID. I would receive my refund. THEY did not provide a RETURN-SHIPPING LABEL. SO I had to come out of pocket again to ship it back which I provided in the evidence as well. The dress got delivered to them on XX/XX/year>. They continue to give me endless excuses about the progress and process of my refund and I HAVE TO continuously message them and they dont reply or theyll leave my messages on seen. The blue check marks means theyve read it. I DONT KNOW WHAT THIS COMPANY IS TELLING CASH APP BUT I HAVE NOT RECEIVED A REFUND EMAIL YET OR ANY ACTUAL PROOF OR PROGRESS INFORMATION ABOUT A REFUND. I JUST WASTED XXXX DOLLARS FOR ABSOLUTELY NOTHING AND I WANT my money BACK. THEY HAVE THE DRESS! They are hijacking my MONEY. ITS XX/XX/XXXX AND NO UPDATE ON ANY REFUND FROM THEM. I NO LONGER TRUST THAT COMPANY. I RATHER YOU GUYS GIVE ME MONEY BECAUSE WHO KNOWS WHAT OR WHEN THEY WILL PROCESS IT. I was excited and now I feel defeated because they are giving me the run around over my money that they said they would refund! Please help me I am young and new to the lifestyle of scammers this is not fair! I honestly believe they did this to me intentionally as Ive seen on their social media page there has been many people theyve taking money from! I need your help Im going to continue to dispute this charge until I get my refund! Thank you again for your cooperation and understanding that I need your full support on helping me retrieve my refund! You guys denied my dispute multiple times without a proper investigation! You guys sat there and waited until the 60 day mark after I disputed three time showing you evidence of why I was mistreated by this company and you sided with them on multiple occasions even after it clearly shows Im the one in the right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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:
I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

-XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX -XXXX XXXX XXXX  Reported XX/XX/XXXX 2023

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 2024-06-09 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: NY

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. 

-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX -XXXX XXXX XXXX Reported XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I refinanced my mortgage with Rocket Mortgage and did not receive my escrow from the previous loan. I contacted Rocket Mortgage to explain why and was told several conflicting stories. Initially, I was told it was what Rocket Mortgage called a Netted Escrow where they applied the funds to my escrow account. That explanation is not appropriate as the loan was being paid off so there was no reason to do anything with my escrow because funds were retained from the new loan to create a new escrow account. The representative who gave me that information looked at my file and determined that the explanation was not appropriate, so he transferred me to a Rocket Mortgage XXXX XXXX ( XXXX XXXX ). She indicated that she would investigate what happened to my escrow. She called me rather than send an email and stated that my escrow was used to reduce the amount of the mortgage I was refinancing. I asked who authorized that and she said it is something they do. I asked whose escrow was it, mine or Rocket because I should have a say in what happens to my money. I asked her to send me a copy of the XXXX XXXX XXXX, however I have not received it. 

XXXX XXXX called me again after I sent her another email requesting the status of her inquiry. She stated that there were no actions she plans to take as the loan had already closed. She was investigating to see where errors occurred in her office and where they can improve as they are all human and make mistakes. While I agree they are human, their errors should not impact me. She went on to say that I didnt lose any money as my escrow was used to reduce the amount of the loan I was refinancing. Moreover, she indicated that I should have said something during the 3 days I had to cancel the loan, however I did not receive notice this occurred until XXXX weeks after the loan closed. 

My issue is during the initial loan process my escrow was discussed with my loan officer and he indicated that I would get it back ( the same as my previous refinances ). While XXXX XXXX states I didnt lose anything is not the case. I refinanced for a specific reason and getting my escrow of {$6800.00} to satisfy some other obligations was a contributing reason for me refinancing. Im requesting Rocket Mortgage do whatever is required to refund my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX Lake Michigan Credit Union placed forced car insurance on a XXXX XXXX. On XX/XX/XXXX the loan was paid off in full and the car was sold. On XX/XX/XXXX spent XXXX hours on the phone with Lake Michigan Credit Union to cancel the forced place car insurance. On XX/XX/XXXX after receiving another letter asking for proof of insurance, spent XXXX hours on the phone with Lake Michigan Credit Union stating the loan was paid off and asking for a refund. They refused to accept proof of the payoff from the consumer, stating that it had to come internally from within the company. On Saturday XX/XX/XXXX, received another request from Lake Michigan Credit Union asking for proof of car insurance for a loan that doesn't exist on a car that is no longer owned. How an institution can not correct their records between departments within XXXX  hours is unacceptable.

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 2024-06-09 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: MARINER FINANCE, LLC
State: FL

Complaint narrative:
MARINER FINANCE IS REPORTING ACCOUNT INFORMATION INACCURATE VIOLATIONS 15 USC 1681. ATTACHED DOCS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello Thetre I am writing to seek your assistance in resolving a critical issue with my PayPal account. My business specializes in the sale of custom digital charts for bookkeeping and accounting. We offer meticulously designed tools to help individuals and small businesses efficiently manage their financial accounts. These products, including spreadsheets, templates, and user-friendly software, are available for purchase online and are delivered electronically upon transaction completion. I began receiving transactions through PayPal in XX/XX/2024. 

On XX/XX/XXXX, PayPal requested verification details, including my ID card and proof of fulfillment. I promptly provided the necessary documents, and everything appeared to be in order. However, on XX/XX/XXXX, I received notification that my account had been permanently limited. 

I immediately contacted PayPal 's executive office for clarification but received confirmation of the permanent limitation. This situation has caused significant disruption to my business operations, given my reliance on PayPal for receiving payments and compensating staff. I have invested substantial resources into this business, and the limitation of my account is severely impacting my ability to manage operations. 

I firmly believe that this decision is unjust, as all my information and activities on the PayPal account have been transparent and compliant with their policies. I am urgently requesting a review and reinstatement of my account to allow me to continue running my business effectively. 

Your assistance in this matter would be greatly appreciated. 

Thank you for your understanding and support. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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: TX

Complaint narrative:
I am writing to demand the fraudulent XXXX account that has been reporting to my credit card for a year now to be removed. The account begins in XXXX. I have submitted multiple fraud reports for this account to be removed and disputes. XXXX 's customer service requested for me to turn in the full FTC report in order for this account to be removed due to XXXX. That has been done. I attached the full report to this letter. By law, an FTC works when fraud is involved and the account needs to be removed immediately. We go by the law. 
Previously, this account has been removed for fraud and re-added because XXXX fraudulently changed the account number for this account. I contacted XXXX 's customer service on the phone and they thought this was a brand new account. Please review my XXXX account history and you will see that this is the same account that was previously removed by XXXX, just with new account numbers. 
These items were deleted and you added them back without sending me a letter informing me that it was added back within the 5 day legal time frame after you added it back. You also never provided me with the information used to validate this fraudulent account account to 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This account must be removed immediately. If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit.

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