vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 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: TX

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  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$2600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$8400.00} Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 the 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 explanation
Consumer complaint received 2024-08-13 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: CBC Companies, Inc.
State: MI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I applied for a Wayfair Mastercard serviced by Citibank. The intro rates were confusing on the application regarding 0 % APR. I started trying to contact Citi at about XXXX. The phone trees refused to let me speak to customer service without an account number and couldn't find my application by social security number. 

I found another customer service number. From there, I was transferred between applications, credit/checking, and other branches. No one was able to provide me this information and I was constantly disconnected and told that it wasn't their department 's job. I asked to speak with a manager and was denied. I asked to escalate the issue and was denied. I was told that there wasn't a way to escalate it because I was speaking with the banking side and I needed to speak to the credit side. I explained I had already done that and was transferred to banking. The agent just told me the same thing and that I had to talk to credit. They refused to send me to a live agent or provide an email address for direct contact. 

I made 15 calls and spoke to almost as many agents trying to get this solved and just get a copy of the terms and conditions and to clarify my intro rate. An agent finally told me I needed to talk to Wayfair and gave me their phone number. To clairify, Wayfair doesn't deal with credit cards and they aren't a bank. So Wayfair told me I needed to call CitiBank back... 

XXXX from Wayfair was nice enough to use some internal numbers and escalation codes to get a woman on the line from Citi that was actually able to provide information. But it shouldn't take over an hour to get someone from a different company all together to be able to get me in touch with the appropriate person from the Bank I am trying to use. 

I was finally able to get in touch with a person to obtain some information, but it should not take this long or be this obtuse. I would not suggest ever banking with Citi.

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 2024-08-13 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: FL

Complaint narrative:
I am now providing all documents from XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX that listed three times, so these items can be removed off my credit report. The amounts are in accurate. The accounts are in accurate, please and thank you. XXXX XXXX  has already been deleted thank you so much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
I am now providing all documents from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that listed three times, so these items can be removed off my credit report. The amounts are in accurate. The accounts are in accurate, please and thank you. Credit one has already been deleted thank you so much!

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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I filed a complaint and the response was false. Please address the fact that you violated Regulation E which mandates a provisional credit if the investigation goes beyond 10 business days for a transaction as I had which was an ATM withdrawal error in which the funds didnt dispense, it also covers POS tractions along with others as for so i definitely qualified and was eligible for provisional credit which they stated that I was not. So they determined they didnt want to provide the credit and violated the terms of Regulation E in which SoFi should be held accountable and fined!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: TX

Complaint narrative:
I notice suspicious {$150.00} charge from XXXX on my account XXXX XXXX XXXX XXXX. 
I called US Bank regarding this issue and was transferred to security. I spoke to someone named XXXX on XX/XX/2024. 
She said she needed to verify and sent me one time code to my cell phone number on file where I verified the code and bunch of security questions.

From the beginning, she gave me the attitude that she wanted to hear only what she wanted to hear. 
I answered all her security questions. She expected me to answer wrong, but unfortunately, I did answer her security questions correctly, she still blocked my card for no reason. She also mentioned that someone else will call in with in 48 hours, but no one called until now. I was falsely accused of XXXX XXXX  by US Bank as I had a different voice.

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 2024-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted XXXX regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - CAPITLA ONE / XX/XX/year> - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I contacted XXXX regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : - XXXX XXXX XXXX XXXXXX/XX/year> - TD AUTO FINANCE / XX/XX/year> - 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/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX 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 in those account to be removed.

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.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
Affirm is reporting inaccurate information on my account. They have reported multiple back to back 30 day and 60 day late payments which is impossible They have also reported that my account has been charged off for 5 months in a row since XXXX which starts over the process of reporting and damages my credit report each month. I sent them proof that my account was paid in full from XXXX XXXX in XXXX. They still continue to report each month that my account is a new charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: LA

Complaint narrative:
On XX/XX/year>, XXXX notified me that my credit score decreased by XXXX XXXX. On XX/XX/year>, XXXX notified me that my credit score decreased by another XXXX XXXX. At this point, I was concerned because Ive never missed a payment and didnt open any new accounts. After further inspection, I had realized my student loans were appearing to equal over {$35000.00}. When Ive only borrowed {$20000.00} according to my Mohela account. 

On XX/XX/year>, I called Mohela and submitted a screenshot of my Credit Report. I was told they would contact the Credit companies to prove my accounts are appearing twice. In addition, I filed disputes with XXXX on XX/XX/year>. However, on XX/XX/year>, they all came back denied. Furthermore, my loan amounts were updated and no longer add up to the original numbers they were before. It appears XXXX further edited my student loans. 

On XX/XX/year>, I called XXXX. They were of no help and told me to contact Mohela. I called Mohela again on XX/XX/year>, where I got more information as to why this happened. 

Basically, my student loans were under the old Mohela program, and without my knowledge, they created a new account under the new Mohela program. Rather than closing my old accounts, both student loan accounts are now left open. Thus, why it's showing I have double the student loans Ive taken out. 

Im filing to report this error on XX/XX/year>, as my credit score continues to decrease. On XX/XX/year>, it decreased another XXXX XXXX. The information both reported by XXXX and Mohela is incorrect. I was told this process would take up to 30 days, but peers of mine with the same issue have been told 10-15 days. There is no consistency among Mohela, and Im concerned this issue is going to take up to a year to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Acima. I took out a loan to pay for tires through Acima, I went through my payment process with the salesman and he didnt tell me that paying over double was the hidden deal within the contract. I didnt like that this wasnt explained to me. I ended up selling the car to a dealership and ended up not having the tires anymore. First time I talked to them they said it would Be a resolution, next time asked me to pay a settlement then gave me three different settlement offers. Safe to say I will NEVER deal with Acima & its predatory practices. Or the hidden double price of the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I had attempted to use my card 4 times Sunday ( XX/XX/year> ) at XXXX to buy food for my dog. It kept declining. So XXXX did it on their end ( customer service ). 

Today on XX/XX/year> around XXXX I received an alert about a reimbursement, from attempting my card several times on Sunday. XXXX informed me it should return no later then Tuesday My balance looked to be now $ XXXX dollars based on the alert I received from Citi bank text alerts. 
I clicked in to see what exact amount was to make sure everything was accurate and the online banking app told me that I needed to put in my updated password. Which I updated on Saturday. They then asked for my pin ( atm ), act #, & my new card #. I was confused, but I complied. Once I put it in, it said it was wrong and after 3 attempts I will be locked out indefinitely. So I attempted twice and called the number after the second fail that was displayed above. 

I spoke to a woman who asked for all my information but then told me I wont receive a reason why until I get a letter in the mail within 30-60 business days. Unfortunately thats all I can tell you. I asked what about the money I have in there, I need to buy groceries and pay rent? She claimed that there was nothing else she could do and that Ill need to come up to the bank to receive my check of whats left in my account. I told her I dont know whats all in my account. How can I be sure youd all give me back my things also why are you even blocking my account. This doesnt make sense?? She said again thats all she can say. I told her I want to speak to a manager. She gave me to a supervisor who in fact kept apologizing but gave no solution and said a letter will be received with 5-7. I said she told me 30-60 and I live in Ohio now XXXX I was in XXXX XXXX XXXX XXXXXXXX. There is no Citi bank here. He then said that then Id have to wait 30-60 business days to receive a check in the mail. 

There was no clear indication to why everything went the way it did, I have no money for home essentials and lively hood and I dont trust that the bank will give me all my money. Everything sounds fishy and unsecured. And Im not happy and broke. I told them what if this was my last?

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 2024-08-13 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 am submitting this complaint to include the following fraudulent account I recently noticed that is being reported as a collection and hurting my ability to obtain credit. Please remove the following fraudulent collection account - XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account 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 2024-08-13 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: AL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-08-13 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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