vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been locked out of my account for over a week. Ive tried resetting the password multiple times and it redirects me to call the Citibank. Ive spoken to 4 different representatives and each time Ive been redirected to go into a branch since I could not remember my safe word which was created over 7 years ago. I am in a state that does not have a branch so I have been not able to access my funds.

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 2024-11-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: GA

Complaint narrative:
Ive reviewed my Consumer Reports and noticed one late payment on my account which has never been late. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late in any payment for this account ( XXXX XXXX XXXX Bank : XXXX on XX/XX/year>. Please investigation and provide proof with statements showing that this payment was late. In addition, if no proof can be provided I demand this payment status to be updated to on-time as they should be as I was NEVER LATE. Thank you in advance.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SAFE XXXX ACCT # : XXXX NATIONAL CREDIT ADJUST ACCT # : XXXX XXXX XXXX ACCT # : XXXX XXXX ACCT # XXXX XXXX AFFIRM XXXX ACCT # : RQUN**** AFFIRM XXXX ACCT # : ILRY**** AFFIRM XXXX ACCT # : XXXX SYNCB/PPC ACCT # : XXXX AFFIRM XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX MIDLANDCRE ACCT # : XXXX XXXX ACCT # : XXXX JPMCB CARD ACCT # : XXXX CAPITAL XXXX ACCT # : XXXX OPORTUNPROG ACCT # : XXXX AFFIRM XXXX ACCT # : KRCF**** AFFIRM XXXX ACCT # : XXXX AFFIRM XXXX ACCT # : ICSD**** AFFIRM XXXX ACCT # : XXXX XXXX XXXX FIN ACCT # : XXXX FRSTFIN/FNBP ACCT # : XXXX XXXX XXXX XXXX ACCT # : XXXX APOYO FINANC ACCT # : XXXX DISCOVERBANK ACCT # : 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 2024-11-07 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:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding Equifax Information Services LLC 's failure to respond to my dispute request concerning inaccurate and unauthorized information reported on my credit file. I initially submitted a letter to Equifax on XX/XX/XXXX, detailing multiple inaccuracies, unauthorized inquiries, and potential Fair Credit Reporting Act ( FCRA ) violations. Despite my request for prompt reinvestigation and removal of erroneous information, I have not received any response or resolution from Equifax.

Below is a summary of the items disputed, which remain unaddressed : 1. Incorrect Personal Information : - Previous Address : XXXX XXXX XXXX, XXXX, NC XXXX ( incorrectly listed ). 

2. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) 3. Accounts Without Permissible Purpose : - XXXX XXXX XXXX ( Account Number : XXXX ) 4. Accounts Requiring Validation : - XXXX XXXX XXXX ( Account Number : XXXX ) 5. Inaccurate Account Reporting ( 15 U.S.C. 1681e ( b ) ) : - Multiple accounts, including discrepancies in balance and reporting between Equifax, XXXX, and XXXX for the following creditors : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX I explicitly requested that Equifax validate these items, remove unverifiable information, and correct any inaccurate entries. Additionally, I requested compensation for each violation as stipulated by the FCRA. Under 15 U.S.C. Sec. 1681i ( a ), Equifax is required to reinvestigate and respond to disputes within 30 days ; however, I have not received any communication confirming receipt, investigation, or resolution of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
On the XXXX XXXX XXXX  I put a block on my bank account after finding 5 unauthorised payments coming out of my account. Remitly is the company in question. After finding a contact number on the XXXX XXXX to try and get money back that I did not authorise to be taken from my bank account XXXX XX/XX/XXXX ( {$63.00} ), XXXX XXXX XXXX ( {$58.00} ), XXXX XXXX XXXX ( {$680.00} ), again on the XXXX XXXX XXXX ( {$180.00} ) and the final payment on XXXX XXXX XXXX ( {$2300.00} ). They failed to provide me any full evidence upon request of these payments due to the account being suspended because fraud was reported by myself. And they said they could not issue me a refund because those funds had cleared to those people that turns out to be residents in XXXX and they have a no request refund on their accounts. I feel absolutely violated and let down by this company and it's left me in a situation where I can pay my bills and feed my XXXX, one of which has special needs and health conditions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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 am writing to formally request the blocking and deletion of specific unauthorized accounts and inquiries on my credit report following a recent data breach, which exposed my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent and unauthorized accounts promptly removed from my credit report.

The following accounts are unauthorized and should be blocked and deleted : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} Additionally, please block and delete the following unauthorized inquiries : XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-07 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: VA

Complaint narrative:
I am trying to get my credit report from XXXX and Equifax. Both the online customer service and XXXX and Equifax can not find my consumer report. 
Mortgage Companies and Banks also have not been able to get my XXXX and Equifax Credit Report. 
Both XXXX and Equifax have told me that there are no security freezes or fraud alerts on any of my information.

I need my credit reports in order to get a mortgage. Please contac
t XXXX and Equifax and request this to be corrected and forward a copy of my credit report to my home address and email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My bank, Wells Fargo, disabled my online access on XX/XX/year>. I contacted the bank to ask for the reason behind the lockdown. Despite numerous phone calls, the bank couldnt provide an explanation for the disabled access. This has caused tremendous inconvenience in managing my finances. Even worse, I am penalized with the lockdown without knowing the reason.

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 2024-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: TX

Complaint narrative:
I am part of the XXXX XXXX XXXX XXXX discharge. This discharge is being dispersed across the board and all of my loans have been through XXXX, now XXXX I believe. I requested a discharge form and have been given all sorts of different answers and now they are refusing to send me an application for discharge. Both XXXX  and now XXXX have refused to send me the application via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: SUNCOAST CREDIT UNION
State: NC

Complaint narrative:
ON XXXX XXXX, SUNCOAST CREDIT UNION, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OF XXXX ALL DID A HARD INQUIRY ON THE SAME DAY. ON MY CREDIT REPORT THAT DID NOT AUTHORIZE. I ONLY AUTHORIZED XXXXXXXX XXXX TO PULL MY CREDIT REPORT AND WAS APPROVED FOR An AUTO LOAN. I CONTACTED ALL OF THESE LENDERS REQUESTING TO REMOVE THE INQUIRIES AND WAS TOLD THEY COULDNT REMOVE IT. I AM REQUESTING PER CONSUMER LAW THAT IT BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: SC

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

" " Given the legal precedents and the failure of the creditors to provide validation, I am formally requesting : 1. A comprehensive reinvestigation of the inaccurate late payment entries.

2. That your agency hold the responsible creditors accountable for their failure to provide necessary documentation.

3. That the late payment entries be deleted, and the account status updated to paid as agreed, never late.

4. An updated copy of my credit report reflecting these corrections.

Please note, as the credit reporting agency, it is your duty to ensure that the creditors provide valid and accurate information. Failure to address these inaccuracies will result in further actions to protect my credit standing. ''

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Some information in my report is incorrect and that's not accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I recently purchased a used car, which was financed through Westlake Financial Services. When I signed up for online account access, I thoroughly read through all terms & conditions, the online user access agreement, and privacy disclosures. It was my desire to ensure that I did not miss any payments, so I elected to sign up for auto-draft using my checking account at my local credit union. 

When filling out my information, I carefully read through the ACH agreement before submitting my information. After submitting my information, I was notified via email that I had successfully signed up for auto-draft payments. 

To note, my Payment date is the XXXX of every month, with the first payment being due on XX/XX/XXXX. I enrolled in auto-payments on XX/XX/XXXX. 

Weslake Financial proceeded however to initiate two Electronic ACH transactions. one correctly dated on the XXXX of XXXX, and an additional ACH transaction again on the XXXX. 

To be clear : this is unauthorized by me, the account owner. None of the online agreements include any such mention of multiple ACH drafts being initiated by signing up for Automatic Payments. Additionally, I only receieved confirmation of one ACH transaction, dated XX/XX/XXXX. 

When I called to have the second debit reversed, they tried to claim, erroneously, that I had aggreed to submit the addional transaction. This however is nonsensical, especially given the date when both ACH transactions appeared. Regardless of ordering, the submital of a single payment would have rendered the " Amount Due '' on the Account {$0.00}. 

Additionally, using their online account access, if one tries to submit a payment after they have signed up for automatic payments, it displays a warning on screen that their is already an automatic payment pending. This demonstrates knowledge that I had only intended to submit a single payment, and thus the intent to cause financial harm. 

I have uploaded all emails from this company to show that they knowingly initiated additional transactions without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: UT

Complaint narrative:
Subject : Request for Verification and Correction of Late Payment Information on Credit Report - Section 611 of the FCRA To whom it may concern, I am writing to you as a consumer to dispute the inaccurate late payment information reflected in my credit report issued by Experian. In accordance with Section 611 of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), I formally request that you conduct a thorough investigation and verify the accuracy of the information in question. This request is based on my right to have only truthful and accurate information reported on my credit history. 
Specifically, my credit report shows late payments on the following accounts, which I believe are incorrect as the payments were made on time. Therefore, I demand that the following accounts be re-investigated and that any inaccurate or unverified information be removed in compliance with FCRA provisions. 
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 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 XXXXXX/XX/XXXX ( 30 days ) In accordance with Section 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumers file. Additionally, Section 15 U.S.C. 1681i ( a ) ( 5 ) mandates that if, after an investigation, you can not verify the accuracy of this information, it must be immediately removed from my credit file.

Furthermore, I am exercising my right to verification under Section 1681i ( a ) ( 7 ), requesting that you provide details on the method of verification used to confirm the accuracy of these late payment records. If you can not provide this verification in a complete and detailed manner, I demand the removal of all information related to the aforementioned late payments.

Please send me an updated copy of my credit file once the investigation is completed, as provided for under my right to access updated 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 explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
On XX/XX/year> Diversified Adjustment Services sent out a email to me on behalf of XXXX in regards to a debt that was owed. This is my first time hearing about this account, so I contacted both companies to see what was going on in which I found out that there was an account open with a different address. Both companies are unwilling to correct their mistake and fix the issue. This has caused me to be denied credit multiple times and has bought my credit score down tremendously. You can see from my identification I do not live at the address that is listed on the debt form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: MN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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