vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Equifax ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO Equifax credit report, which I do not recognize and which is the result of identity theft and fraud. This fraudulent account, consisting of an auto loan opened at XXXX on XX/XX/year> under account number XXXX, has resulted in several fraudulent hard inquiries and collections appearing on my credit report. The fraudulent hard inquiries include XXXX, XXXX, and XXXX, while the fraudulent employer listed is XXXX  XXXX XXXX. Additionally, incorrect addresses appearing on my report include XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I demand the immediate removal of these fraudulent items from all my consumer credit reports and the cessation of all collection activity related to them, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-10 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: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-10 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: SC

Complaint narrative:
I need your support to address the inaccurate account showing on my credit report. This situation has affected my reputation as a customer, and I am requesting your help to remove these false and harmful accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, my bank account was closed. When I went to the bank to ask for an explanation, I was told that they have the right to close accounts without providing a reason. Currently, I have approximately {$5000.00} locked in my account. I inquired about when I would receive my money and was told it would take approximately two weeks.. It has now been 65 days, and I still havent received my money. I am an international student who recently graduated, and I have not conducted any unusual transactions. At present, I am unable to pay for rent or buy food, and I urgently need my money back.

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 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I didnt satisfy with the Venmos answer because they are still didnt respect me as a person and didnt let me know what are multiple concerns. Am I a criminal? I am not! 
The only reason they said is I registered another account which violated the terms. But I have said : I registered new account is because I forgot my password. And no one helped me with chat at night so I have to register an account. I always have limited access to use the second account and never used that for any chance. It is impossible for your guys say I have high risk to violate Venmos terms and community. I submitted my ID for verifying my XXXX account but I dont know why the link mixed and mixed. I have enough reason to approve I didnt violate the terms and I need my account activated. 

And : what is multiple high risks? Am I transfer XXXX dollars to someone? I didnt satisfy the answer they gave me and they just try to ban me as a criminal instead of a PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: MD

Complaint narrative:
I do not recognize these credit inquiries, and I have asked for these to be removed. The credit bureaus did not do as I asked. I am providing an Identity theft report attached to this. I am requesting for them to be removed because they are inaccurate and do not belong 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
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Theres a credit card offer on my card which is spend {$300.00} at one of qualified XXXX XXXX XXXX and get {$100.00} back. I stayed at a qualified hotel and the spending is verified by Amex to be qualified as well, but their system couldnt recognize the hotel because they mistakenly labeled the hotel I stayed with a different merchant number, so that when they compare the merchant numbers it would be mismatched so I can not get my {$100.00} back. They have escalated this problem to higher managers and they could never resolve this although they already admitted it is a system problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have two American Express gift cards for {$150.00} each and neither one of them can be used on any site. I have gone onto the American Express website and they both say that they have the funds available. I don't understand why they don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MI

Complaint narrative:
over a year now my account has been in the hole. pay the shortage or pay the payment costs. each time i pay the amount they say they come back days weeks months still saying Im short. Miss handling my escrow account. ask for the numbers for the proof of analysis nothing. case mangers in higher up do nothing. Dealing with a mortgage shouldn't be this sloppy and having the customer being in the negative all year around and being told you need to pay over and over when you have pay the amount. along with 4 analysis. dates evey singal day of the year have so many.

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 2024-12-10 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-10 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: NC

Complaint narrative:
Reporting a debt that was dismissed in litigation.

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 2024-12-10 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:
This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, and everything was fine before, but now there are these random discrepancies. I even refreshed the browser, hoping it was just a glitch, but the errors remained. Im pleading for the documents Ive sent to be carefully reviewed so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Momnt Technologies, Inc.
State: MD

Complaint narrative:
I previously submitted a complaint against this company, expecting the company and financial institution to take action protecting their customers. To date, I have not responded one response from Monmt. When I call, the representatives were rude and rush me off of the phone. The company claims to have started an investigation, and openly admitted to attempting to retrieve money from the contracting company in question. I contacted the company via tele-phone and email requesting my credit report reflect accurate information Monmt has yet to respond to this request as well. Despite endorsing that the contractor took money for services not provided, the company will not respond if I do not involve a government entity exercising my rights and attempting to advocate for myself. Again, I am requesting my credit report reflect the correct information. Further, in good faith and integrity, the company Monmt and the financial institution should not make false promises while later completely ignoring your customers. 

*If an investigation took place, please provide me with the report and findings. Based on your endorsement of XXXX XXXX XXXX XXXX refusal to refund money for services not provided my credit report will need to be updated within the next 30 days. 

For reference Key laws include : The FCRA ( 15 U.S.C. 1681 ) is the primary federal law governing credit reporting.

TILA ( 15 U.S.C. 1601 ) requires creditors to provide clear and accurate terms and conditions for loans and credit The FDCPA ( 15 U.S.C. 1692 ) protects consumers from abusive, deceptive, and unfair practices by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: ME

Complaint narrative:
I am a XXXX XXXX XXXX  who uses an online/cloud based accounting system to run my business. I had an Elan Visa business credit card and closed it 5 months ago. I had my accounting platform linked to Elan to upload all transactions into my XXXX XXXX, which is a must for accurate accounting and tax purposes. I just found out that the link between the two was lost several months before I closed the account. Elan is now refusing to provide an electronic format of my transactions because the account has been closed more than 30 days. They acknowledge they have the transaction data in their database but refuse to provide a reason that they " can not '' provide an XXXX XXXX format spread sheet so that I can upload the transactions to my accounting system. It is not possible for me to hand enter these transactions in the online XXXX XXXX and my balance sheet and Profit/Loss statement can not be correctly produced without this data. It is beyond me why they would refuse to perform such a simple function as downloading a transaction list into a simple spread sheet format or send the past statements electronically and provide it to me. I always assume their must be a reason for any business to say " no '' to a costumer but they refused to offer any explanation what-so-ever.

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 2024-12-10 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-10 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Credit Inquiries To Whom It May Concern, ** SECOND REQUEST ** This is my second request on the removal of these errors on my consumer reporter. I discovered multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days I will be taking legal action with intent to sue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. I anticipate your response. 

Sincerely, 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 explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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