vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: CT

Complaint narrative:
XXXX XXXX sold this account to a collection attorney. This account is showing on my credit report as, Account charged off. {$10.00}, XXXX written off. {$6.00}, XXXX. Since this account was written off /charged off, XXXX XXXX failed to provide me with a 1099c tax report. This inaccurate information was reported to all credit bureaus affecting my score and lending opportunities. I am requesting a copy of the 1099c. For accuracy purposes, the 1099c report must be provided to me for further tax review.

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 2024-10-16 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: PNC Bank N.A.
State: GA

Complaint narrative:
PNC BANK This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. They reported an account that I neither agreed to nor signed a contract for. A valid legal contract requires the consent and signature of both parties, and I had no involvement in this agreement. Furthermore, they failed to follow the proper five-step validation procedure, further constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and my rights have clearly been violated. I am requesting that this company immediately remove this account from all three major credit reporting agencies and compensate me for these violations. If this is not resolved, I will forward this matter to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: MA

Complaint narrative:
In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX Furthermore , both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. Inquiries that I have not authorized also have affected my credit standing Inquiries that I have not authorized also have affected my credit standing 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 2024-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX Tuesday XXXX I received a call from Citi bank fraud department asking If I was trying to log in my account from XXXX which I was not so they said need to secure my account and need to verify me with one time passcode which they will sent to my phone. They had all my account info including my last 4 of my SS number. Then he asked me if I would like to be notified to my cell phone if anything like this happens in future which I said yes. Then he called me on my office number and asked to press bunch of number on my cell phone and click dismiss on displayed message to my cell phone. I didn't feel that was right so I hung up the phone and drove fast as possible to Citi bank Branch which is 10 Mins away. I notified the incident to manager and he called the Citi Fraud department at XXXX XXXX  PST I got a printout from manager for 17 wires already processed starting at XXXX. He told me our account is blocked and wire recalls done. Asked me to file police and FBI report and made an appointment at branch for XXXX XXXX  for new account. When I came back to XXXX appointment they gave 23 case number for 23 unauthorized wire for the amount {$430000.00} sent between XXXX XXXX  to XXXX : XXXX PST. 

Details- ( 1 ) 23 Wires in total of {$430000.00} were sent from Money Market account between XXXX to XXXX XXXX on XX/XX/XXXX from an account which have never sent a wire before. 

( 2 ) We been banking with Citi bank for over 15 years. We average 3 wires a month from our checking account and that needs to do E-signature verification on Citi app with 6 six number of recipient account number to send the wire. 

( 3 ) They moved a money from checking account and Line of credit to Money market account. Bank charge us 13 % + in line of credit and pays 4.5 % in Money market account. My understanding is Money market is saving account. Why would bank let transfer funds from Line of Credit to Money market account and allow the wire from money market account when we have checking account. 

( 4 ) I was in bank already to tell them about there might be fraud going with my account XXXX on XX/XX/XXXX as they were still processing the wire. Banks didnt stop/recall those wire on time. 
Citi bank wouldn't tell us how those 23 unauthorized Wires were authenticated or when was the recall sent.

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 monetary relief
Consumer complaint received 2024-10-16 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: DISCOVER BANK
State: AZ

Complaint narrative:
The derogatory rating on my account is a serious issue for me. I'm very concerned about how it's affecting my credit. It's already led to a loan application being denied and higher interest rates on my existing credit accounts. This negative rating is causing me severe financial and emotional stress, which will continue until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Telerecovery Corporation
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.

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 2024-10-16 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: TX

Complaint narrative:
Dear TransUnion Representative, I am writing to request the removal of fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit report. Enclosed is my FTC Identity Theft Report, reference number XXXX, which documents the identity theft I have experienced. 

Upon reviewing my TransUnion credit report, I discovered several inaccuracies that do not belong to me. Below is a list of the fraudulent information I am requesting to be removed : Employers : 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 XXXX XXXX XXXX XXXX XXXX XXXX These entries are not authorized by me and are the result of identity theft. I am requesting that TransUnion promptly remove the fraudulent accounts, unauthorized inquiries, and inaccurate personal details listed above. I also ask that a fraud alert be placed on my profile to prevent further misuse of my identity. 

Please process this request promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the removal. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : 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 2024-10-16 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I made a cash payment of {$1000.00} in store to Nordstrom rack on XX/XX/XXXX. The associate said they have to ask a manager if its ok to take the cash payment for this amount. The manager came and a few other employees came over to discuss this situation. The computer prompted to enter my occupation and drivers license. I thought it was totally inappropriate and humiliating. My money was counted 4 times and ran through cash verify machine 2 times. This has happened before at this same store. I spoke to a representative on the phone and they told me it was best for me to make in store payments for the payments to post immediately. But every time a pay cash or card it takes the same amount of time for the payments to process. I dont have access to to the cash neither do I have access to to the credit. This in the past has caused my credit score to drop severely and my life has suffered as a result of this. All the associates say that this doesnt happen but this is my 2nd time going through this with this company. My payment still has not posted to the account as yet and its days later. EThey say that its because of the amounts of cash that Im paying is why its been a big deal but it was never a big deal before when Ive made large cash payments. Why is such a problem now? There is no fraud when Im in person paying cash and the machine has cleared that my cash is verifiable. What is the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Kohls/capital one card. I never asked for this. I was sent a bill that Kohls transferred past purchases to and never authorized. I sent a letter to Kohls/capital one telling them this is fraud. Told them to cancel the card I never asked for. I wanted kohls card only thru kohls like I had before., NOT A CAPITAL ONE CREDIT card. Today I received a new Capital/one credit card and was told to activate ASAP. I do not want this card. I have my own XXXX  card with another company. How can I cancel this without problems with my credit report. I did not authorize this credit card. This was wrong with Kohls doing this! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR

Complaint narrative:
I did a debit to debit transfer on XX/XX/year>, it is now XX/XX/XXXX and I still do not have my funds.I have contacted my card company and they searched for all incoming transfers and they saw none for the amount o was suppose to receive from Moneygram.When I check on my list of transfers, it still says processing even though debit to debit transfer I usually get in minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: GA

Complaint narrative:
I do not have an account with REGIONS BANK. This needs to be removed from my consumer report. 15 USC 1681 2a1 1666b states that information needs to be accurate on consumer reports.

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 2024-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-16 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates

15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been trying to reestablish automatic payments for this particular instance for three months now. Every time I call them, they would take my checking account number and my XXXX routing number but then the next month I would get a notice that I was late in payment and then I had accrued late charges. They do not like it when I ask them questions about why this is happening. This time I found out that my checking account number has been arbitrarily placed upon an invalid account number list. Now I have used this account to make payments on my loans for over 15 years. Maybe even 20 years. I asked them why they put my account on an invalid account list and they could not tell me why but they told me the only way that I could use this account would be to go to my bank and get a written letter stating that my account number is valid. Now just to point out the ridiculousness of this I could get a piece of stationary and put an image of the bank on my piece of paper and then write that my account number is valid and just sign it with somebody else 's name and they would take that. They told me to fax or snail mail the letter into them or download it on their site. But the factory XXXX did an order for me to bring my account valid. I have to agree to a set of terms with Navient that state that I agree to all the late charges and the accrued interest that has resulted from their error. I think that is wrong and it has over the years resulted in over {$5000.00} of late payment fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: WI

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 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 2024-10-16 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: WI

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 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 2024-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/year> I received a XXXX XXXX  by XXXX from One Main Financial group LLC. Upon opening the civil summons the name on the summons belongs to someone else ( XXXX XXXX XXXX XXXX not XXXX XXXX a summons that was taken out in XXXX XXXX and I live in XXXX XXXX and I dont owe them {$6200.00}. I feel that this is a violation I shouldnt have this customer information and not sure if this customer has my information but this is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I requested that CHASE BANK/Credit Card Company update the balance to XXXX on all my credit bureau XXXX XXXX after I settled and paid off a XXXX debt on ( XXXX ) separate credit cards that had already been written off, charged off, and out of XXXX  XXXX XXXX of limitations, despite paying off these in cash at a local Chase Bank. They have been giving me a run around from my numerous requests to update these two credit card balances to {$0.00}. I have disputed this XXXX times with no resolution from XXXX, XXXX, XXXX, and XXXX, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home

Company response to consumer: Closed with explanation