vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I first notified Citicards of a significant overpayment ( electronic bank payment ) on my credit card on XX/XX/XXXX. I have contacted Citicards several times to refund the excess payment ( most recently today, XX/XX/XXXX ). 

On XX/XX/XXXX, a helpful supervisor told me she would investigate the delay in the refund but would not be able to get back to me for XXXX hours and could not tell me when I might receive the refund. It has already been XXXX business days since I notified Citicards of the refund request, and still do not know when the funds will be refunded to my bank account. 

My understanding is that under Federal Trade Commission rules a credit card issuer must refund an overpayment within seven business days after they receive a customer request. 
Thank you for any assistance you can provide in this matter. I also am interested in learning whether my situation is unusual or whether this is a problem that other credit customers have had.

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 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MARINER FINANCE, LLC
State: NM

Complaint narrative:
In XXXX of 2023, i became unable to work due to an injury. I was able to keep up with all of my payments except for the month of XXXX or XXXX, I received numerous calls everyday despite me explaining that i was not working at the time and unable to pay. I was the coerced into resigning my loan agreement, again, despite the fact i was unable to work. I currently am still unable to pay this debt because I am trying not to lose my housing and vehicle, I am continually receiving phone calls even after discussing my situation with the creditor Mariner Finance. In the past 7 days I have received XXXX phone calls XXXX of them being yesterday XX/XX/2023 and XXXX already today before noon, XX/XX/2023. This harassment is causing undue stress, further XXXX and XXXX and need to cease immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo sold my condo and I want home equity money.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
There is a bug in the Chase XXXX where customer activate cashback offers, they show as activated, but then when you go back to them, they're not activated. It's only a bug in their XXXX XXXX, not on the website. I have brought this issue to their attention repeatedly and have only been met with useless canned copied and pasted responses from their useless outsourced customer service morons. I activated a XXXX XXXX 's cashback offer prior to discovering the bug and then made a purchase. Later I saw that despite my having activated the offer, it showed as not activated in their app. I contacted Chase Customer service and was told it would be escalated and taken care of. This was over two weeks ago. Since then I have contacted them twice and received assurances that it would be resolved. It still has not, over two weeks later

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DailyPay, Inc
State: AR

Complaint narrative:
Hi, my issue has been with the company DailyPay. The week of the XXXX through the XXXX of XXXX I worked but was not paid my total amount. The total amount that I was supposed to be paid was {$560.00}. XXXX, is the temporary agency that I work for and DailyPay is the company that distributes the pay into my account. With DailyPay, you can receive a partial payment before your scheduled payday and then the rest of your check later. My issue is that they told me that they sent me the {$390.00} in different lump sum payments but it's not reflected on my bank statement. They did send {$110.00} and {$61.00} the week I was supposed to be paid but not the rest. When I tried to explain to them that it never made it to my account they said it was XXXX 's fault and the run around began. I've never had a problem with DailyPay before and I just want them to pay me what I am owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ive done everything you guys require and still nothing is deletd ive filed polie report ftc report complained to XXXX and still you guys look at my complaints as unfounded i want inquiryies on my report investigated and deleted i have no cards in date ranges indicaied so they are fraud and should be deleted

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 2023-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my information was part of several data brech 's from XXXX XXXXXXXX XXXX in the year of XXXX XXXX XXXX also my information appeared in XXXX 's data brech in XXXX. 
and XXXX on XX/XX/XXXX, XXXX my social security number was exposed my information also appears on the dark web my person information, social security number and addresses via experian credit monitoring services copies attached due to t these brech 's money was aslo stolen from my bank account in the year of XXXX i filed an identity theft report with experian XXXX and XXXX this information hasn't been removed or resolved this my second attempt at removing this information with no resolution

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have several fraudulent unauthorized inquiries that are listed on my credit report. I have requested these be deleted by contacting XXXX, Transunion and XXXX and they still are being reported. There is no permissible purpose for these inquiries and my privacy has been violated by allowing these companies access to my credit. 
The following inquiries are fraudulent : Transunion 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 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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX ARE IN BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ARE IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS TO REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2023 I went to Kroger to do a cash back transaction for {$5000.00} to make a purchase, after swiping my card I was informed they didnt have enough cash on hand so they would be giving me {$2500.00} in cash and returning the remaining {$2500.00} to my debit card via refund. Fast forward to XX/XX/XXXX at XXXX XXXX  a refund from Kroger is posted to my account and immediately after it was deducted showing debit merchant credit hold adjustment I contact XXXX and they claim they do not hold funds and that I should reach out to the merchant. At that time I reached out to the merchant and reached out to XXXX with both on the same recorded line so that they could speak with one another since I was being referred back and forth with Kroger saying its my bank and my bank saying its Kroger. At that time Kroger explained to XXXX  at XXXX that they are not holding funds and once a refund is released they cant take it back so it is obviously a bank error and they provided us both XXXX XXXX  and I with the authorization code for the refund. XXXX is still adamant they arent holding my funds which have yet to be released so at this point no one knows why or whats going on and arent able to tell me what the hold means or whats its for or why this is even happening! This has put me in a very dangerous situation as I am now stranded out of town because that money was being used to purchase a vehicle and Im in a rental that I dont have to funds to continue to pay for while 8 months pregnant and with my 6 other children. I have requested supervisor and escalations and no one has yet to contact me or get this issue resolved! I have provided the refund receipt and they have the authorization code and have confirmed all this with Kroger as well but still nothing has been done to release the refund hold. I need immediate assistance with 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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent certified mail to Transunion and it got refused by Transunion because I sent certified mail by using tax percue. so I am not waiting for letter to being returned since I have tracking number that said Transunion refused and it is return to sender so I am going to submit what I tried to send in that letter in attached subtract my driver 's license and ss card since it is not in the mail. They should've accepted it. 

Certified Mail tracking Number : # XXXX I am writing to bring to your attention a serious violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code G 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies , by certain creditors listed on my credit report. 

According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiplate discrepancies and inaccuracies in the reporting of the following accounts : 1. XXXX XXXX Acct # XXXX : The reported balance and payment history of this account are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 

2. XXXX - Acct # XXXX : The reported account status and date of last activity for this account are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account was resolved and should be reflected accordingly. The failure to accurately report this information is a direct violation of the FCRA. 

I am requesting that you immediately delete these accounts from my credit report, in accordance with Section 1681s-2 ( a ) ( 1 ) ( E ) of the FCRA, which states that if a furnisher of information determines that information it provided to a consumer reporting agency is inaccurate, it must prompty notify the agency to correct the information. The continued inclusion of these inaccuracies not only damaged my creditworthiness but also infringes upon my rights as a consumer seeking fair and accurate credit reporting. 

Please be aware that the FCRA holds credit reporting agencies accountable for ensuring the accuracy and integrity of the information they report. Non-compliance with the FCRA may subject your agency to legal consequences, including potential liablity for damages, as outlined in Section 616 of the FCRA.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance XXXX {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} XXXX DPT EDXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed 2 addresses with Experian, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since 2007. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

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