vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
I recently reviewed my credit file and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: PA

Complaint narrative:
I recently reviewed my credit file and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-04 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for me and my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. XXXX XXXX # XXXX HAD LATE PAYMENTS XX/XX/24, XX/XX/24, XX/XX/24. THE CONSUMER AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. I HAVE ATTACHED A COPY OF MY REPORT TO THIS COMPAINT ON THE FOLLOWING DATES. I AM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING TRHAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOU UNDERSTANDING AND PROMPT ACTION.

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: MA

Complaint narrative:
My information was shared in a data breach which has been affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: AK

Complaint narrative:
On XX/XX/year> I uploaded a manual employer certification form. After submission an automatic message stated that it would take XXXXXXXX XXXX to process. It has been longer than XXXX XXXX and this employer certification form still hasn't been reviewed. Once this form is processed I would be eligible for public service loan forgiveness. I have made multiple calls and they still can not say where they are with processing these manual request.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My cashapp account XXXX has had non-stop issues since the moment I opened the account. When people send money to me on cashapp, cashapp is sending them a patently false and defamatory message to the sender claiming fraud. Customer service refused to help, and simply sends generic copy-pasted A.I generated responses. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I am having an issue with worldremitXXXX  I provided my driver license and they still refuse to update my new number which is XXXX XXXX XXXX my old number was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: AMERISAVE MORTGAGE CORPORATION
State: CT

Complaint narrative:
My payment with Amerisave increased to {$1300.00} XXXX, an increase of around {$400.00}, roughly. Due to increase, it has been difficult to make payment, no explanation provided for increase. Further, a payment was made in error on XX/XX/XXXX, the amount of {$2600.00}. I previously attempted to schedule two payments each in amount of {$1300.00} from different checking accounts,, unable to schedule using different accounts. A payment delay in amount of {$2000.00} caused payment to return. The payment is from XXXX XXXX, was supposed to be expedited over night on XX/XX/XXXX, it was sent regular mail and not received as of yet. Further, am due to start a second job shortly, paying a wage of {$20.00} a hour, once started, I expect to be able to make payments on time. I will be making a payment in amount of XXXX, XXXX XXXX XXXX XXXX XXXX by XXXX at latest as I expect check previously mentioned to arrive by said date. With information provided including error with payment, new second job, promis to pay payment of {$2000.00}, I request Amerisave allow me time to catch up on past due payments including XXXX and XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: NJ

Complaint narrative:
I am writing to raise concerns about several issues I have encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. XXXX XXXX # XXXX HAD LATE PAYMENTS XX/XX/year>, XX/XX/year>, XX/XX/year>. THE CONSUMER AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. I HAVE ATTACHED A COPY OF MY REPORT TO THIS COMPAINT ON THE FOLLOWING DATES. I AM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING TRHAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOU UNDERSTANDING AND PROMPT ACTION.

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 2025-01-04 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: FL

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THAT WAS NOT REPORTING ACCURATELY. XXXX XXXX # XXXX HAD LATE PAYMENTS XX/XX/year>, XX/XX/year>, XX/XX/year>. THE CONSUMER AGENCIES NEED TO REPORT ALL INFORMATION WITH COMPLETE ACCURACY. THIS ACCOUNT HAS NOT BEEN LATE ON PAYMENTS. I HAVE ATTACHED A COPY OF MY REPORT TO THIS COMPAINT ON THE FOLLOWING DATES. I AM NOW REQUESTING YOU TO INVESTIGATE AND PROVIDE VERIFIABLE PROOF WITH RECORDS SHOWING TRHAT I HAD LATE PAYMENTS. IF THIS INFORMATION CAN NOT BE VERIFIED, I DEMAND THESE PAYMENTS BE UPDATED TO PAID ON TIME IMMEDIATELY. THANK YOU FOR YOU UNDERSTANDING AND PROMPT ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Deposited first paycheck from employer and was told that it was flagged as suspicious so they froze my account and said that in XXXX XXXX I would receive a check for the remaining balance. I have yet to receive that.

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 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 NUMBER : 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 : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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

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 2025-01-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XXXX of XXXX I contacted Experian, XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/XXXX I received updates from Experian in regards to the account XXXX XXXX XXXXXXXX XXXX Account # XXXX showing that it was REMOVED from my file. I also received letters from the other XXXX XXXX XXXX and XXXX along with a letter from the Creditor XXXX XXXXXXXX XXXX stating that the Fraudulent Accounts was REMOVED. Moving forward on XX/XX/XXXX while updating my information while receiving resources from the Human Trafficking Division in my state upon pulling my updated credit report I received from Experian we notice the account was added back to my file. Along with several other accounts that were previously REMOVED from my file. I have the PROOF that these accounts were REMOVED because I have the evidence of my results from Experian. Experian did not notify me that these accounts were reinserted back on my file nor did they send me a updated credit report. Upon seeing the information I immediately contacted Experian in which they started a new dispute. Now they are stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when Experian REMOVED the account at the Creditors Request as Fraud. I have since tried to contact Experian back in regards to the issues I'm having, but I have not been successful at a fair resolution. Experian is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In XXXX of XXXX I contacted Experian, XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/XXXX I received updates from Experian in regards to the account XXXX  XXXX XXXX XXXX Account # XXXX showing that it was REMOVED from my file. I also received letters from the other two XXXX XXXX and XXXX along with a letter from the XXXX XXXX XXXX XXXXXXXX stating that the Fraudulent Accounts was REMOVED. Moving forward on XX/XX/XXXX while updating my information while receiving resources from the Human Trafficking Division in my state upon pulling my updated credit report I received from Experian we notice the account was added back to my file. Along with several other accounts that were previously REMOVED from my file. I have the PROOF that these accounts were REMOVED because I have the evidence of my results from Experian. Experian did not notify me that these accounts were reinserted back on my file nor did they send me a updated credit report. Upon seeing the information I immediately contacted Experian in which they started a new dispute. Now they are stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when Experian REMOVED the account at the Creditors Request as Fraud. I have since tried to contact Experian back in regards to the issues I'm having, but I have not been successful at a fair resolution. Experian is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I purchased two XXXX XXXX XXXX which were redeemed by a party other than myself. I filed a police report and requested reimbursement and filed a charge back with my credit company at the advice of both my bank and XXXX. My bank closed the dispute as XXXX believes they were not responsible, and I was recharged in the amount of XXXX dollars on XX/XX/year>. I have contacted the XXXX Police department and opened a case with them, and I have now also contacted the XXXX State Attorney General 's office for assistance and am awaiting a reply. I am frustrated, as I contacted Capital One on the morning of XX/XX/year>, and they told me they would reopen the dispute, but I was instead recharged the amount I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CA

Complaint narrative:
On XX/XX/year>, I went into XXXX XXXX to inquire about a XXXX  they had. I was met by XXXX and informed him right away that I did not want to run my credit and I understand the process of not knowing my exact payments until it is ran. I did my test drive and noticed some concerns with the car, which I brought to XXXX attention. He had another guy come in to convince me that it was a recall signal on the car. Found that the car was in an accident etc. We get back to his desk and he asked for my SSN, I asked what did he need it for? He stated, to do a soft credit check. Itll give us an estimate of your rate. No worries I told him I already did a few soft credit checks, but he insisted. Without him asking for one or me providing signature or anything, I provide my SSN under the impression its a soft credit check. After he does it, I instantly get multiple notifications of my credit changing and a hard inquiry was done. I bring it to XXXX attention and state the emails I received. He says oh no, that cant be. I only did soft. I reiterated that I didnt want my credit ran and he says Im so sorry. It shouldnt have been a hard credit. He walks always and comes back with my credit scores and a paper of rates and tells me to sign the one with rates. Still unsure of what was going on and their practices, I signed only the proposed rate paper, not anything for credit or for a loan agreement due to them trying to force me to get optional car upgrade items. After feeling uneasy, I left the establishment and regrettably left all papers behind, as I wish I wouldve kept them with me. I took a picture of some papers. As I do not trust this company. I am hoping to have these hard inquiries removed from my credit report.

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