vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in updating my credit report. Despite my repeated requests, they continue to report an outdated and incorrect address, causing significant harm to my ability to make major financial decisions. 

I have contacted XXXX on XXXX separate occasions, requesting the removal of the incorrect address XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX from my credit report. This address is no longer valid and should be entirely removed. I have also provided them with my correct and current address, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX, which should be the only address listed on my report. 

Their continued failure to correct this information violates the following provisions of the FCRA : 15 U.S.C. 1681c ( a ) ( 1 ) - The requirement that consumer reporting agencies maintain accurate and up-to-date information on credit reports. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - The obligation to investigate disputed information within 30 days and correct or delete inaccurate or incomplete information. 

15 U.S.C. 1681e ( b ) - The duty of credit bureaus to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 

The inaccurate address on my credit report has led to significant challenges, including hindering my ability to move forward with major purchases. This inaccuracy is creating unnecessary barriers to my financial stability, and the credit bureau 's lack of action is both frustrating and harmful. 

I request the CFPBs assistance in enforcing the FCRA and ensuring that my credit report is corrected promptly. I trust that with your intervention, this matter can be resolved swiftly and accurately. 

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear EXPERIAN cease and deceist I am writing to formally request that you cease and desist from reporting inaccurate information on my credit report. My name is XXXX XXXX, and my Social Security Number ending XXXX. 

Upon reviewing my credit report, I discover reporting on my credit report of {>= $1,000,000} XXXX XXXX XXXX  listed under the account number XXXX that does not belong to me XXXX XXXX {$10000.00} account number XXXX XXXX XXXX XXXX  account number XXXX AND ANY INQUIRY. This entry is incorrect and negatively affects my credit score.

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1692g/1692 c ( c ) I request that you remove all inaccurate listing off my credit report Immediately cease reporting the inaccurate information.

Investigate the disputed entry and correct or remove it from my credit report.

Provide written confirmation that the information has been corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
'I 'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

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 2024-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/year>, I reached out to Citi in regard to my XXXX XXXX credit card. I paid off the card in full and closed the account. I received verbal and email confirmation that the account was paid in full and closed. They did not tell me that the account would continue to be charged. They told me to toss my card and that I could remove my app. 
They have since continued to charge interest on the card and now have added late fees. I did not realize this for a few months, and reached out to try to resolve with them. They have been unable to tell me why they continued to charge interest on a closed account. I asked for it to be waived and was denied. I then attempted to compromise that I would pay the interest if they would waive the late fees and guarantee they would not continue to charge the card/account. They denied that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
i am a XXXX XXXX XXXX XXXX i have sent these complaints to the bureaus and they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have requested proof that I were late on the accounts reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had an account with XXXX XXXX XXXX  opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am XXXX  days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I had an account with XXXX XXXX mortgage opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am XXXX  days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had an account with XXXX XXXX XXXX  opened XX/XX/year> and they reported me late XXXX XXXX XXXX  days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am 60 days late in XXXX with XXXX XXXX mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today, I checked my credit report and noticed that there are an inquiries that I don't recognize, I did not authorize these nor given consent to these companies to pull up my credit report, it is stressing me out and making me anxious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NH

Complaint narrative:
Subject : Complaint against Cash App ( Square , Inc. ) for Account Closure and Fund Withholding Date : XX/XX/year> I am filing this complaint against Cash App, operated by Square , Inc., regarding the unjust closure of my account, their refusal to release my funds, and their inadequate customer service.

**Details of the Complaint : ** 1. **Account Closure** : Cash App closed my account, citing issues with my legal ID. However, they have not provided a clear explanation of why my valid, government-issued ID was deemed unacceptable.

2. **Withheld Funds** : There is a balance of {$34.00} in my closed account that I can not access. Cash App has not provided a viable method for me to withdraw these funds.

3. **Inability to Add Debit Card** : Cash App 's system will not allow me to add a debit card to withdraw my funds, effectively trapping my money in the closed account.

4. **Multiple Unresolved Contacts** : I have contacted Cash App support more than 8 times regarding this issue. Each time, I am redirected between their app and phone support without resolution.

5. **Unsatisfactory and Circular Responses** : Cash App repeatedly states they have " thoroughly investigated '' my concerns, but they have not addressed the core issue of accessing my funds.

6. **Unprofessional Conduct** : During my most recent interaction ( Claim # XXXX ), a Cash App representative yelled at me and treated me disrespectfully.

7. **Violation of Terms and Conditions** : Cash App 's actions appear to violate their own terms and conditions regarding account closures and fund access.

**Attempted Resolution : ** I have made multiple attempts to resolve this issue directly with Cash App through their app, phone support, and email. Despite these efforts, Cash App has failed to provide a solution or even a clear explanation of the problem.

I believe Cash App 's actions violate fair banking practices and consumer protection laws. I request the CFPB 's assistance in resolving this matter and ensuring that Cash App adheres to proper financial service standards. 

Thank you for your attention to this matter. I am willing to provide any additional information or documentation as needed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is regarding a store credit card that I have for Kohl 's. Recently, I received a new Kohl 's XXXX card in the mail, with the notification that this would be replacing my store credit card. I never requested a XXXX card of any kind. I feel that this is a violation of the Truth In Lending act, by sending me an " unsolicited '' credit card in the mail. I have told them that I wish to retain the regular store card and do not accept the XXXX card, but they have failed to take any corrective action.

An " unsolicited '' credit card is a credit card opened in a consumer 's name without that person 's permission. Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store, or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ).

Please advise on what I should do. Thank you! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the validity of the hard inquiries listed below on my credit report. I have reviewed my credit file and have identified several inquiries that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

For many years I have looked at my account and in accordance to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow procedures to assume maximum possible accuracy of the information concerning the individual about whom the information relates according to 15 U.S.C 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.s.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

For many years I have looked at my account and in accordance to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow procedures to assume maximum possible accuracy of the information concerning the individual about whom the information relates according to 15 U.S.C 1681 ( e ) ( b ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 It also states consumer reporting agency can not furnish a account without my written instructions.

15 U.s.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I am very concerned about discrepancies on a loan that I got from BOK Financial. 
Upon recently obtaining a loan, I was informed by phone that I would receive a specific amount at a particular interest rate. However, I was taken aback when I received a different amount, and the interest rate and payback amounts were not as agreed upon. 
I was told I would get over {$21000.00} at a lower interest than what I was later given in writing. When I was funded for the loan, it was only {$20000.00} with a {$100.00} loan fee, an interest rate of 10.72 %, and a total amount to be paid of {$41000.00}. 
What I was told by phone is not what I received, which is very misleading. 
The amount financed was {$20000.00}, and the amount they want me to pay back is {$41000.00}. The interest rate I was told by phone is not the same as what they state in writing, and that is also misleading as they mention two different interest rates in the statement. Please see document attached. 
If I had known this, I would not have gotten the loan.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation