vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
My mortgage loan belong to XXXX XXXX in 2019 the was sold with me not having any acknowledgement my payments where on Auto pay with XXXX XXXX when the loan was transferred to XXXX XXXX XXXX payments and payments where still in auto payment as shown in my records with XXXX XXXX I was never late and this all happen during the time of COVID My loan is now transferred to XXXX XXXX which has never been late but when I look at my credit report in all three XXXX, XXXX and Equifax they show as late payments on a loan has never been late plus the lender is reporting on a loan that no longer the lender I need these late payments cleared with the correct information on my current lender XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I received a letter dated XXXX, 2024 from Mr. Cooper. They said the my current home owners inusrance does not meet their acceptable coverage standards. This is frustrating because Mr. Cooper purchased this loan... I did not initially choose them as my mortgage company. They said I would need to provide them with a new policy in order to avoid the placement of temporary coverage on the property. 

Oddly, I received an email on XX/XX/year> from Mr. Cooper that states, " We've teamed up with XXXX '' and they are offering me a home insurance quote. 

I feel like they are colluding with XXXX and are forcing me to drop my current insurance and join what they recommend.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Getting email from American Express that they sent me a Card that I never applied for. Tried calling and just get their computerized system and no way to get through cancel or to see if it was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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 XXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
information on my report is false & invalid for years Equifax Company is in Violation I am writing to formally dispute, discharge, and demand the immediate removal and blocking of several adverse accounts and negative items currently listed on my credit report. These items have significantly affected my credit score and quality of life, and their continued reporting is in violation of multiple federal and state laws, as outlined below.

To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence.

Additionally, my Social Security number was unlawfully leaked as a result of a data breach involving the Social Security Department, and these adverse accounts are a direct consequence of fraud. Pursuant to Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ) and I demand that this fraudulent information be blocked and removed from my credit report immediately within 4 business days.

Attached is the Notarized FTC Report & The Un-notarized Report And Other Documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX I sent a {$18000.00} bank wire transfer from my account at Wells Fargo to XXXXXXXX XXXX XXXX XXXXXXXX. I was informed after I sent the wire that the funds were not received by the person I sent it to and that there was the possibility of fraud. 
Shortly after learning about the above, I disputed the wire transfer with Wells Fargo Bank. They created a claim # XXXX. After investigating, they denied my claim and said I had to file a police report in XXXX and have a complete investigation in order for my funds to be returned. 
I did as they asked, and a complete and thorough investigation was completed on XX/XX/year> which confirmed the person I sent the funds to never received them as a result of fraud committed by XXXXXXXX XXXX. 
I contacted Wells Fargo upon learning the results of the investigation and demanded the return of my funds, yet they have denied it once again.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed several inaccuracies that are seriously impacting my credit score. These mistakes are driving my score down and affecting my access to better interest rates and financial products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Vehicle loan or lease — Lease
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: General Motors Financial Company, Inc.
State: PR

Complaint narrative:
I was charged XXXX for taxes not owed. As the vehicle was turned in XX/XX/year>. In addition they refused to do any abatement so I contacted the town of XXXX directly for the tax correction the true taxes owed are {$21.00}. Ive been sending over all documentation to GMC financial and leasing and they are still billing me for XXXX, as well as calling me daily to harass me for payment. They have also sent this delinquent payment to the 3 bureaus effecting my credit worthiness. 
Please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I sent a friend {$7.00} that I owned her for purchasing a gift on my behalf. Later on XX/XX/XXXX, I sent my husband {$500.00}. Cash App just randomly closed my account with NO valid reason whatsoever! When I reached out to support, all I got was the same useless blanket statement : Your account violated terms and conditions. They refuse to give me ANY specific reason. Their support team is an ABSOLUTE jokewhether you contact them through chat or phone, its the same robotic nonsense. Instead of giving me a straightforward answer, they just send the entire Terms of Service and expect me to figure out what some clueless person or chat bot at Cash App thinks was a violation. This is beyond frustrating! My account has not violated any termsI use Cash App to receive money from my husband and to pay friends. They clearly dont care about their customers or offering any real help. The lack of transparency and customer service is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You are infringing on my right to privacy by reporting this information on my credit report without my consent. This breach is both offensive and damaging to my reputation, causing harm to my credit score and negatively affecting my life, as my new credit applications are being denied due to this oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
This account is due to fraud remove from my report immediately Please note that you have a maximum of XXXX days to complete this investigation, as per the Fair Credit Reporting Act section XXXX ( a ) ( XXXX ). I am certain that you know already but please allow me to remind you that your failure ( XXXX ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for XXXX or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.

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 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
XXXX I went on vacation to XXXX, XXXX, and XXXX. Upon arriving, I was planning on using my banking card to make withdraws from ATMs and purchases at hotels as well as for taxis and events. I was informed that I would be able to use my debit card XXXX without any issues unfortunately when I try to use my card I was unable to make transactions, and my card was locked. I proceeded to contact my bank to see what the issue was and update any information that was out of date. The first time I called, they said the issue had been resolved and that I would be able to make purchases. Shortly after that, my card became completely locked again, so I was not able to pay for the hotel. Stay that I wanted as well as three of the events that night. Their hours of operations were outside the hours that we were awake and active in the morning due to the time zone in the XXXX. I called them a second time to find out what was going on. They apologized and then tried to correct the issue again they had no idea on their end. What was going on and that card should work. I tried again making purchases on that card. Now, thinking that the issue had been resolved and with clarification from them that there was no hold and lock on my card just to be met with the same exact issue. The following third time that I reached out to them, I got a hold of a manager and they told me that I would have to notify them each time that I went to use the card for every transaction and this was just a feature that they had on the card that they did not inform me of prior. Noted I do have a screenshot from a message bot from their online portal stating that I could make international transactions Uninterrupted. They also denied ability to speak to the fraud department after I requested to see if they could figure out what was going on. This greatly ruined my experience on the trip because I was completely unable to make the purchases that I need to, and ultimately had to wire money to my account just to be able to pay for the basics. This would not have been an issue had they had not originally stated that I could use the card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states | have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In addition, has also violated my rights bet 15 USC code 6802. 

I went through a finical hardship after losing my mother to XXXX last year. I feel XXXX XXXX took advantage of me while committing XXXX XXXX fraud. I filed complaints with the XXXX, CFPB as well as the state. The account was later charged off however I never received a XXXX. 

XXXX also can not provide me with adequate validation. I DO NOT have a signed agreement with XXXX. With my valid signature. 
XXXX XXXX XXXX XXXX {$14000.00} XXXX closed XX/XX/year>, XXXX profit and loss wright off yet l did not receive a XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I have a PayPal account with my email. To note, I have my bank account linked to my PayPal account. On XX/XX/year>, I saw on my bank statements that 2 withdrawals were made with each amount being XXXX XXXX so in total XXXX $ were withdrawn from my account. I didn't realize it until a couple of days later when I accessed my email. On XX/XX/XXXX, someone gained unauthorized access to my account and added a number ending in XXXX. I got the email from PayPal on XX/XX/XXXX at XXXX. The same day, at XXXXXXXX XXXX, I got an email stating : " XXXX XXXX, your password changed ''. Not only did they acknowledge me by someone else, the hacker changed my password. On XX/XX/XXXX at XXXX, I got another email from PayPal saying : " XXXX XXXX, you removed your bank account ''. Again, they are not referring me by my name and by someone else. Also, the bank account that was removed was : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received another email from PayPal stating that they are processing my request to transfer funds to my PayPal account from my XXXX XXXX account ending in XXXX. XXXXThey ended up adding their XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I get another email saying that the XXXXwo deposits that PayPal Sent to the bank account to confirm the bank that was added was returned. Same day at XXXX XXXX, password was changed. On XX/XX/XXXX at XXXX, I got an email from PayPal saying a new user was added : XXXX XXXX was added as a second user. I created my case but PayPal deems is as authorized use. Fast forward to XX/XX/XXXX, I removed the hacker 's phone number and added mine ending in XXXX. Today on XX/XX/XXXX at XXXX, the hacker removed my phone number and added theirs ending in XXXX. PayPal is refusing to give me back my XXXX $ despite me opening cases and appealing. They are not even asking for documentation or my emails I have been receiving. I have spoken to many agents from PayPalXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and still the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I was sent into Automatic Forebeance on XX/XX/XXXX. Then I was sent a letter saying the Income Driven Repayment plan starts on XX/XX/XXXX. Out of nowhere I have past due charges on XX/XX/XXXX. There is no logic to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: OH

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

1 ) XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

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 2024-10-29 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:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX 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!

Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I have documented all correspondence with your company. Please remove these fraudulent accounts and please correct and update the inaccurate information on my credit report, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i got a notice from TD Bank that they are closing our account without giving us any reason i contacted TD Bank customer service, the fraud department and visited the branch and no one can give me a reason why they closing the account and if there is away to fix the issue if there any

Company response to consumer: Closed with explanation