vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Received a digital American Express rewards card. For {$15.00}. Redeemed from Inbox Dollars. However, it can't be used anywhere. I tried multiples different sites. When I try to check the balance I get an error. I've called them twice and they just repeat themselves with no solutions. Telling me to try a different website or use in store. It's a VIRTUAL CARD!!!! The problem is there is no name or address attached to the card which pretty much EVERY site asks you to confirm. They claim they are unable to add this information either. After a XXXX search it seems like there are MANY MANY people with the same problem. This Amex gift card thing needs to be SHUT DOWN because they are stealing from people. I want my {$15.00}. It's been almost 2 weeks now!!!! I had a similar issue with a digital XXXX and guess what? They fixed it! Easy peezy. 
I WILL NEVER DEAL WITH AMERICAN EXPRESS AGAIN!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a fraud alert from Citibank. I verify that I made those transactions. Some reason they couldnt verify my phone number so they told me they were going to lock my account and send me a letter in the mail to verify my identity. I still have not received the letter. It has been over 45 days. They have sent out four letters that I have not received. I asked them if they could provide a tracking number, because I still have a received letter after three times to provide that I also spoke with a couple of representatives who told me since I didnt receive the letter I can come into the branch to verify my identity that way, so I went into the branch with two forms of identity. The banker called the security team and they said That they couldnt verify me I would have to wait on the letter so this issue still wasnt resolved. Then when I was at the bank, the banker was on the phone with the security team and they said they sent out a new letter to this day, I still havent received it and when I called them all they say is you have to wait on a letter they cant provide tracking or They cant verify my phone number because its not on my record but when I spoke with a few lawyers, they were kind they were confused because I verify my identity in the bank and there they said that most banks dont use public records because thats not really updated so Im just looking for a Fix this problem Please help. Me get my account back. It was on hold for no reason this entire time I told them that I made the transaction but they still put my account on hold Thanks

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMER FST FIN XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
Mariner finance says I owe {$3000.00} I never heard of this business in my like have no knowledge of this account called then multi time trying to get answers, they have not provided me any information transactions about this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
MY PERSONAL INFORMATION WAS STOLEN 2019 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. THERE SHOULD ONLY BE ONE ADDRESS BEING REPORTED TO MY CONSUMER PROFILE. I ADVISED THIS AND THERE ARE STILL BEING LISTED

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 2024-05-22 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:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this entry from my credit report as it is not mine and appears to be fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about its impact on my creditworthiness. I implore you to conduct a thorough investigation and promptly rectify this error by removing this inaccurate information from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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 am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am writing to formally demand the immediate removal of the erroneously reporting trade-line listed on my consumer credit report by Wells Fargo , as they are infringing on federally protected trademark rights. It has come to my attention that the negatively impacting account your company is erroneously reporting is being reported without proper authorization, consent, or licensing. The name on the account is a federally protected trademark, protected under the United States Patent and Trademark Office ( USPTO ), under the serial number XXXX. The presence of this name on my credit report, associated with negatively impacting items, constitutes a misuse of this trademark. Such actions are not only misleading but also illegal as they violate federal trademark laws including the Lanham Act, which prohibits unauthorized use of a federal trademark in a manner likely to cause confusion, deception, or mistake ( 15 U.S.C. 1114 ). Please be advised that the continued use of this trademark or any similar markings without explicit permission from the trademark holder constitutes an infringement of trademark rights. Failure to remove the inaccuracies from my credit report will compel me to pursue all legal remedies available under the law. This may include, but is not limited to, seeking monetary damages for defamation and further misuse of the trademark as per established precedents like XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), where unauthorized use of a trademark was held as grounds for trademark infringement and associated damages. I trust that you will treat this matter with the urgency and seriousness it warrants. Please ensure that these items are removed from my credit report within 30 days from the date of this notice, as prescribed by the Fair Credit Reporting Act ( FCRA ). Should this matter not be resolved promptly and according to the legal stipulations mentioned, I will have no option but to seek legal recourse to protect my rights and recover damages for any harm caused by this infringement. I expect to receive a written confirmation from your agency within fifteen ( 15 ) business days regarding the initiation of the items ' removal. Thank you for your immediate attention to this grave matter of concern.

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 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
During the pandemic, our household finances were negatively impacted by job loss. Unfortunately, we defaulted on a credit card causing it to go into collections with Midland Credit Management. Midland made attempts to collect from me using an address I have never resided at. This led to them taking me to court to garnish my wages. I didn't learn of any of this until the first garnishment from my paycheck was made. 

In XXXX of XXXX, the last garnishment payment was made. To this date ( XX/XX/year> ), Midland has not claimed the funds from the court. Additionally, they continue to add monthly service fees to the account and will report the account as an open collection to all 3 credit bureaus. 

I have called many times and have been told to " just wait ''. No one you speak to has any idea of how their processes work nor do they care that their abysmal business practices are impacting peoples ' lives. You can only speak to someone in their call center in XXXX, which explains why they have no idea what laws apply to US consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: Self Financial Inc.
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX and spoke with Agent ID : XXXX and advised of my situation. I stated I was in the hospital and had severe medical issues. I advised I was reported 30 days past due on my credit report and due to my medical issues wanted to request an update on my credit report as a goodwill. At no time in the call did the agent state Self Credit did not do goodwill credit reports. In fact I was told an escalation request was made for the update due to my medical circumstances and would hear back in two business days. I was further advised I needed to write an letter to your escalations department requesting my goodwill request. In which I have did. If in fact that Self Credit didn't do goodwill credit report update or even process request I was never advised that on the initial call. In fact I called today XX/XX/XXXX where a second agent told me they saw my request pending and to allow 3-5 business for response. I even received an email after the call advising you do not accept Goodwill requests.This whole experience has been false and misleading. If you don't even accept Goodwill, why did your agent advise me differently. I am requesting for the calls to be pulled and listened to as to what I was advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MRS BPO, LLC
State: OH

Complaint narrative:
Received letter from M r s collection agency state that they are Sueing me in XXXX XXXX court they supplied a court file number. I went to XXXX XXXX court web site to check for any suits in my name, there were none with my name there was XXXX under the number, but I did not recognize the charge. the suit filed in XXXX XXXX has vague information on the suit, no date, no verifiable information on the claimed account. I then received a letter from m r s offering to settle the deb for less than half. in the letter it states to call XXXX XXXX  to make a payment. called XXXX XXXX  spoke to XXXX in fraud they have no record of account, XXXX XXXX  gave phone # for their collection agency ( XXXX ) they had no record either. to be though I called M r s they demanded i give full social and credit card # advised did not have account, was transferred to supervision XXXX badge XXXX who again demanded my full social and " any '' credit card. when i told " XXXX '' if I had an account, they should be able to find with my name and address XXXX hung up. I feel that the collection agency is trying to scam me and or scare me into paying a account i can not verify

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past XXXX weeks I have starting XX/XX/year> Me and my lender have been trying to get a credit report from Equifax. Every time we call they give us the run around yet we still can't get the report. I've sent request in writing 3 different times with all my information and updates. Still nothing. Now they are telling us there is nothing else they can do so that I can see my report or for my lenders to get a report. 

When they attempt to get a report it gives them some error saying fraud yet equifax is saying there is no alerts or blocks. Something is blocking the lenders and I from getting the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: MA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to file a formal complaint against Bank of America regarding the recent closure of my account in response to fraud claims I submitted for digital fraud charges. I have also filed a police to document the fraudulent activities that occurred. The actions taken by Bank of America have impacted my financial stability and ability to access essential banking services. 

I reported unauthorized digital fraud charges on my Bank of America account, providing detailed information and evidence to support my claim. Subsequently, Bank America closed my account without conducting a thorough investigation into the validity of the fraud claims, despite the existence of a filed police report corroborating the fraudulent activities. 

The sudden closure of my account has caused significant disruption to my financial activities, resulting in the loss of access to my funds, recurring payments, and essential banking services. Furthermore, the lack of communication and transparency from Bank of America regarding the reasons for the account closure has exacerbated the distress and inconvenience I have experienced. 

I urge the Bank of America executive office to intervene in this matter and investigate the actions of Bank of America regarding the closure of my account following the fraud claims I submitted. I seek a fair resolution that includes the reinstatement of my account, a investigation into the fraud claims, reimbursement for any unauthorized transactions, and compensation for the financial losses and distress incurred as a result of this situation. 

I appreciate your attention to this matter and look forward to a prompt and effective resolution to restore my access to banking services and address the injustices I have faced due to Bank of America 's actions.

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 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
For the last 4-5 months it's been the same runaround. I reported my card stolen and tried to request a new 1 the system denied me so I spoke to a rep. That told me it was a security issue the system couldn't authenticate me after 2 years of my business and to build a better payment history try again in 30 days. Well it's been 4 months of trying every 30 days and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
A charge off is considered a certificate of Indebtedness which means it is income and income must not be reported to a consumer report. As disputed in another CFPB complaint # XXXX. XXXX Account System was informed of these inaccuracies. YOUR company can not report to credit agencies with inaccuracies and report an account used for the purposes of INCOME to be filed on a federal income tax return. This is illegal practices on behalf of Eastern Account System and WOW internet services. All information pursuant to WOW write off has been recorded on the companies balance sheet as a loss and reported to the IRS. Their is no balance or no debt. This information pursuant to this account is in litigation and has been reported to FTC. I have no contractual agreement to pay Eastern Account System nor do I owe Eastern Account System anything. This is illegal and pursuant to your company illegally having my non-public private information it is be noted and being recorded pursuant to the Privacy Act of 1974. I am requesting my information be deleted from your companies system as I have not given your company, EASTERN ACCOUNT SYSTEM permission or consent to have my information and all inaccuracies pursuant to the account be deleted from the credit reporting agency.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am confident that I always pay on time. What I don't understand is why this company is marking me as late for some months. Under USC 1666b, any billing errors must be corrected, or they will owe me {$1000.00} per account for inaccurate reporting.

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 2024-05-21 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: EQUIFAX, INC.
State: MA

Complaint narrative:
DELETE HARD INQUIRIES In accordance whit the fair credit reporting act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account whit out my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Seccin 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 1681 s-2 ( A ) ( a ) 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. Delete the accounts below. XXXX XX/XX/year> EQUIFAX The Equifax company insist do not remove the information, I demand that they present the prove or evidence that they have whit my sing or autorization or remove immediately.

Thank you

Company response to consumer: Closed with explanation