vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 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: IN

Complaint narrative:
I had a credit card from XXXX XXXX XXXX show up on my XXXX report. I tried to dispute it with XXXX but they said it doesn't show on their end due to me being an Authorized user of the card and not the main account holder and I would need to contact XXXX XXXX XXXX. They have no way for non-customers to contact them. You have to have a credit card number so I can't even attempt to dispute it with them. This card has multiple late payments and it's preventing me from getting a mortgage loan approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: PA

Complaint narrative:
US Bank is not a trustworthy nor honest institution. They should be investigated by the Federal Consumer Protection Agency, Federal Reserve and the FDIC for screwing hundreds of hard working Americans like me. Here 's how they scammed and shysted me : First they bilked me monthly for what they call a processing fees, which are actually hidden monthly service charges on a maintenance free account, Their customer service is designed to dissuade callers from getting any recompense. Now that I no longer needed such a bank, I wrote a {$24000.00} check to clear my balance, money I needed to pay for my departed brothers bills. US Bank cleared the check, so I took my money out of my local honest bank. Then later US Bank bounced my good check back for no legal reason, only in my opinion because some greedy banker of theirs wanted to keep my funds longer than the many months they had without cost to them. Not only did this one sided ruse cost me a bounced check fee, I had to pay bank loan fees to settle my debt. Now after XXXX calls to get this resolved, their open ended promises that a banker would call me never happened. US BANK DOES NOT CARE HOW THEY HURT PEOPLE. I went though a lot of anguish and lost sleep over this and I've still not settled with the crooks. US Bank owes me now, with interest and fees, {$24.00}, XXXX to date and counting, and am requesting they pay me now with a GOOD cashiers check by 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 2024-07-18 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: CA

Complaint narrative:
My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 in 60 days 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. 


XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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 2024-07-18 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX Please cease the reporting and delete this account

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 2024-07-18 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX Please cease the reporting and delete this account

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have no knowledge of the mentioned inquiries, and I respectfully request that you address this matter promptly. Supporting documents have been enclosed for your reference. Kindly investigate the matter and take necessary actions for its 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 2024-07-18 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: OneMain Finance Corporation
State: CA

Complaint narrative:
unauthrized fraud inquiry from one main finacial without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-18 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at credit report on XX/XX/XXXX and noticed ( Date Of Last Active ) is still being reported inaccurately on my credit report. ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) and ( Equifax XX/XX/XXXX ). According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at credit report on XX/XX/XXXX and noticed ( Date Of Last Active ) is still being reported inaccurately on my credit report. ( XXXX XX/XX/XXXX ) ( Experian XX/XX/XXXX ) and ( XXXX XX/XX/XXXX ). According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-07-18 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:
I am writing to file a complaint against Equifax regarding their refusal to remove fraudulent accounts from my credit report. 
Equifax has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within four business days after receiving : A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
The accounts listed are attached to an address that was removed from my profile as they are not mines and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
I have disputed an account with Cavalry Portfolio Service asking them to validated the account and asked them for their purchase agreement concerning the account. I didn't get a response with a validation or purchase agreement request. The reason for asking for the purchase agreement is I had also disputed this account with XXXX. The results of the dispute with credit bureaus stated ( Meets requirement of the fair credit reporting Act ) The credit report states date opened XX/XX/2021 which looks like when the collection company acquired the collection there is no original date open, no schedule payments made or not made, no date when the account was originally open. They do state that the original creditor was XXXX. I contact XXXX which didn't show anything information in there records and told me to contact the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I applied for a loan and was required to submit a photo of my drivers license and a photo of me holding my drivers license. They called me back and told me I had to come in to a location. I asked why and the woman on the phone said " are you transitioning? '' I said what does that have to do with any of this. She asked me again and I said it doesn't matter if I was but no. Then she said " Really? you aren't transitioning? because the photo on your drivers license and the photo you send look very different. '' I told her I could take another photo of me not wearing a hat, but just because I have short hair doesn't mean I am transitioning. Also the photo on my drivers license looks the exact same ( hair etc. ) the only difference between the two is that I am wearing a hat in the photo I took this morning of me holding my drivers license. They told that they wouldn't approve unless i came into a location to prove i wasn't transitioning. Requiring me to come into a location to prove that I am not transitioning in order to be approved for a payday loan raises serious legal and ethical concerns. The Equal Credit Opportunity Act prohibits discrimination against credit applicants on the basis of sex, gender identity and sexual orientation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I contacted Citi Card Service about my payments and my balance. I have stopped using there card XXXX months ago and have been trying to pay the card off and noticed that my account was never going down, but going higher or stays the same. I contacted Citi on XX/XX/year> and the customer service rep expressed how the only way to stop the interest was to pay the complete balance. I believe that's ludicris. I pay more on my bill than the minimum, but due to them continuously adding this anormous amount of interest even after I had them discontinue the service. There is no way I will be able to pay what my balance is at this point. I will actually be paying them XXXX what I owe them and I will never be able to pay the card off. I believe Citi is doing bad business and I missed last months payment because of the interest that I've been charged lately. I have been oweing {$3000.00} dollars after every payment and that is not being consumer friendly at all. I will pay my payments when they stop the interest charges and take off what has accumulated in the last XXXX months.

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 2024-07-18 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: NY

Complaint narrative:
Incorrect report and old credit card less XXXX  never disappears

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 2024-07-18 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: NE

Complaint narrative:
I am writing to formally request your assistance in addressing issues on my credit report that is causing significant difficulties in my ability to secure housing and obtain loans. Despite having settled and paid the debt in question, it is still being reported as a collection charge-off, which is adversely affecting my credit score and overall financial standing. 

I can include copies of the settlement agreement and proof of payment for your reference. 

Despite my efforts to resolve this matter directly with the creditor and the credit reporting agencies, the charge-off remains on my report. This inaccurate reporting is severely impacting my ability to secure necessary financial resources, including loans for housing. The ongoing presence of this settled and paid debt is making life very difficult for me and my family. 

I kindly request that the Consumer Financial Protection Bureau intervene to have this settled and paid charge-off removed from my credit report. This adjustment will accurately reflect my financial responsibility and will allow me to rebuild my credit standing. 

Thank you for your attention to this matter. I appreciate your assistance and look forward to a prompt 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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX  Account XXXX XXXX XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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: Foursight Holding LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOURSIGHT CAPITAL LLC T

HESE COMPANIES ARE REPORTING/ADDING INFORMATION TO MY CONSUMER REPORT WITHOUT MY VERBAL/WRITTEN CONSENT. AGAIN, I DID NOT AUTHORIZE NOR GIVE MY CONSENT/AUTHORIZATION FOR THE NEGATIVE REPORTING.

Per the FCRA as federally protected consumer - I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU. WRITTEN AND UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
A credit card was applied for in my name that I never applied for. I would not have known if I didn't receive a notice in mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime issued an email XX/XX/XXXX stating that they would close my account XX/XX/XXXX. I have repeatedly been a victim of theft. The bank REFUSED to close my account and issue a new one with new account and routing numbers. As a result, I continued to see unauthorized XXXX debits. Each time, I filed a dispute and Chime approved the dispute siding with me. On XX/XX/XXXX, Chime issued an email stating my account had been closed. I had no access to the {$11000.00} remaining in the account. They stated a refund check would be issued within 30 days of closure. XX/XX/XXXX I received notification that Chime wanted to reverify deposits made to the account to reopen it. I provided the proof they requested ( ID, bank statements ) They responded stating the account would remain closed and no refund will be issued. They referred me to their deposit agreement for any questions. They are refuses to refund my balance in the account at this time and customer service will not transfer me to any higher tier to attempt to resolve the issue.

Company response to consumer: Closed with monetary relief