vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX around XXXX in the XXXX  I was robbed XXXX XXXXXXXX  by XXXX men and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, when I woke up XXXX XXXX XXXX XXXX XXXXXXXX  and I couldnt remember much of what happened, but after the surveillance video I was reminded of the traumatic events that occurred. After a few days of recovery, I was able to get a new phone and upon checking {$6900.00} was stolen from account and sent to another hacker on cashapp from the phone that they stole from me, I have filed a dispute and submitted all evidence and Im still not seeing my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: FL

Complaint narrative:
I am writing this letter in reference to my previous dispute XXXX submitted to your agency on XX/XX/XXXX. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Bright Capital Inc
State: TX

Complaint narrative:
Joined Bright Money and signed up for their Bright Builder loan program, which is to build credit. XXXX loan advertises that after 5 on time monthly payments, you can start to qualify for a balance transfer, which was my goal of the program. Signed up for autopay and have had no issues for the first 4 payments. 

XXXX payment that was due XX/XX/XXXX, autopay did not go through. I have attempted to manually pay this payments multiple times, everytime a payment is made, it disappears from my account history and does not show a pending payment. 

I have attempted to reach out to customer support but they were uncaring and did not address my problem. 

I find it interesting that on the payment that is suppose to qualify me for the potential of having a balance transfer, this is the payment that all of sudden all my payments are not showing up. 

This is unfair lending, deceptive, and misleading. The failure of the companys autopay system, which is I am still enrolled in, is inexcusable Photos attached show example of payments that were made. Payment of {$6.00} was made by me on XX/XX/XXXX ; Today, XX/XX/XXXX, that payment is no longer pending in my account and is not reflected in my balance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
We went into the local XXXX branch of Golden 1 Credit Union on XX/XX/24 and closed our HELOC account. We did not receive a final statement at that time. I finally went back into the branch on XX/XX/24 and got a final statement after requesting it several times prior. I need a document from Golden 1 that states this account is closed. They eventually gave me an email address to email this request to. We have emailed them a couple of times and they are not responding. We have pending financial business at other financial institutions that is waiting on this document. This has created a financial hardship for us.

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 2024-04-03 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear SYNCB/Amazon , I am writing to address a concerning matter regarding an inquiry reported by SYNCB/Amazon, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for SYNCB/Amazon to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying SYNCB/Amazon to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that SYNCB/Amazon neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the XXXX  number associated with the security interest provided to SYNCB/Amazon . Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account. 

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.

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 2024-04-03 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: IL

Complaint narrative:
Subject : Complaint Regarding XXXX XXXX and Equifax s Unathorized Reporting of Personal Information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against XXXX, a credit reporting agency, for what I believe to be a violation of consumer law as outlined in 16 U.S. Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is a clear breach of my rights as a consumer under the Fair Cresit Reporting Act ( FCRA ) I have never authorized XXXX, XXXX or Equifax to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made multiple attempts to contact XXXX XXXX and Equifax to rectify this situation, but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX and Equifax complied with federal appropriate action to ensure that XXXX complied with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter Sincerely XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party or credit bureau. This account has many inaccuracies including ; original balances not matching, there is NO account number listed, the account type listed does not match on any of the credit bureaus. I want this account removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: PA

Complaint narrative:
ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party or credit bureau. This account has many inaccuracies including ; original balances not matching, there is NO account number listed, the account type listed does not match on any of the credit bureaus. I want this account removed immediately!

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 2024-04-03 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I recently had to file XXXX  due to XXXX issues and lost income I reaffirmed my mortgage with rocket mortgage the amount of the payoff is XXXX and the reaffirmation amount was XXXX a difference of XXXX I called them on many different occasions to find out why the different amounts and finally received an answer the person XXXX in the escrow department said it was due to an escrow deficiency I ask if they were charging me the deficiency in the reaffirmation then they would need to show that on my rocket account they said no because I hadn't paid it and I argued the point that it was added to the reaffirmation amount therefore changing my balance from XXXX to XXXX therefore it should reflect the escrow was paid on the back end so they changed my overall balance but are trying to make me pay more to cover the same deficiency by changing my payment from XXXX to XXXX I feel like if there adding the shortage into the reaffirmation agreement they should have to show this on the front of my mortgage I would be paying them twice for the same escrow deficiency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 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 2024-04-03 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: CT

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX & XXXX XXXX ( Original Creditor : XXXX  XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.

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 2024-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The third time is the charm as everything comes in three 's I have tried to rectify this matter. There are still charge offs, student loans and inaccurate reporting of balance and transaction history reporting. 

First, According to Family Educational of Privacy Act 1974 STUDENT LOANS should not be reported it goes against privacy act as stated here -https : //nces.ed.gov/XXXX https : //studentprivacy.ed.gov/XXXX  Second, charge offs are certificates of indebtedness and should not be reported, so please remove ASAP.

Third, its illegal to report transaction history. Remove all " soft and hard '' inquires Fourth, for permissible purposes remove all collections, student loans, charges offs and update transaction history as current/updated.

Fifth, by reporting non accurate information without my consent is against FTC - https : //www.consumer.ftc.govXXXX 15 USC 1681 - inaccurate report, 15 USC 1608 CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - In this case, a class of XXXX individuals sued TransUnion , a credit reporting agency , in federal court under the Fair Credit Reporting Act. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB and FTC Take Actions Against TransUnion for Illegal Rental Background Check and Credit Reporting Practices- https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ Psalm 25:1-2 says, In you, Lord my God, I put my trust. I trust in you ; do not let me be put to shame, nor let my enemies triumph over me '' Please take heed, XXXX/ BENEFICIARY

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 2024-04-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The third time is the charm as everything comes in XXXX XXXX I have tried to rectify this matter. There are still charge offs, student loans and inaccurate re

porting of balance and transaction history reporting. First, According to Family Educational of Privacy Act 1974 STUDENT LOANS should not be reported it goes against privacy act as stated here -https : //nces.ed.gov/forum/dataethicscourse/additional-materials/family-educational-rights.pdf https :
//studentprivacy.ed.gov/sites/default/files/resource_document/file/2012-final-regs.pdf Second, charge offs are certificates of indebtedness and should not be reported, so please remove ASAP.

Third, its illegal to report transaction history. Remove all " soft and hard '' inquires Fourth, for permissible purposes remove all collections, student loans, charges offs and update transaction history as current/updated.

Fifth, by reporting non accurate information without my consent is against FTC - XXXX XXXX XXXX  15 USC 1681 - inaccurate report, 15 USC 1608 CASE LAW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX XXXX XXXX XXXX XXXX ) - In this case, a class of XXXX individuals sued XXXX XXXX a credit reporting agency , in federal court under the Fair Credit Reporting Act. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - CFPB and FTC Take Actions Against XXXX for Illegal Rental Background Check and Credit Reporting Practices- https : //www.consumerfinance.gov/about-us/newsroom/cfpb-ftc-take-actions-against-transunion-illegal-rental-background-check-and-credit-reporting-practices/ XXXX XXXX says, In you, Lord my God, I put my trust. I trust in you ; do not let me be put to shame, nor let my enemies triumph over me '' Please take heed, XXXX/ BENEFICIARY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mercari, Inc.
State: NY

Complaint narrative:
I requested a direct deposit on XX/XX/XXXX, of my balance of {$400.00} on mercari selling app. I had a previously suspended account and it triggered another suspension. I contacted support and after many attempts, someone was finally helpful and verified my ID and I was able to access the deposit page. But it was still showing me error messages, I asked support again. And somehow someone closed the inquiry, and they are asking me what account was it for because they dont see it. And then someone said I need to use a new debit card to deposit into. I got a new debit card, and its showing me activities not allowed. And support responded with please use a new bank account. I emailed them its a brand new debit card from a different bank. They emailed back with the same message, please use a new bank account. I told them again, they responded the same way every time. I dont know if its just bots messages but it doesnt make sense with me saying its a new bank account, and get a response of please use a new bank account, it sounds ridiculous but its true. Its been back and forth like this. Ive been emailing with their support since XX/XX/XXXX, everyday. No resolution in sight. Mercari also imposed a {$2.00} deposit fee without noticing their users, its not much per person, but they have a total of XXXX XXXX active users in XXXX, thats $ XXXX if they take {$2.00} from each user. Its literally easier than robbing a bank. Multiple banks. After getting backlash online, they postpone the date to XX/XX/XXXX, giving some users time to transfer their money out. If some sellers have sales in progress, Mercari still have the {$2.00} from each user. Its not a lot per user. But think the number of active users they have. Even if its XXXX XXXX users, thats already {$2.00} XXXX. This is not agreed upon when people were signing up. The company saw the money sitting in their app and decided to take a chunk of it. XXXX not credit or debit. Its literally robbery. I have {$400.00} stuck there, and I wont be able to get it out before XX/XX/XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IS CURRENTLY AFFECTING MY CREDIT FILE NEGATIVELY. I HAVE NO INTERNATIONAL MARITIME CONTRACT WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT EVER AUTHORIZED NOR GAVE PERMISSION TO XXXX XXXX XXXX  TO REPORT ANYTHING ON MY CREDIT FILE. ANY IMPLIED AUTHORIZATION AND/OR PERMISSION GIVEN WETHER WRITTEN, UNWRITTEN, VERBAL, AND/OR NON VERBAL IS EXPRESSLY REVOKED. ALL THE ABOVE IS TRUTH UNDER PENALTIES OF PERJURY. 

XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IS CURRENTLY AFFECTING MY CREDIT FILE NEGATIVELY. I HAVE NO INTERNATIONAL MARITIME CONTRACT WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT DONE ANY BUSINESS WITH XXXX XXXX XXXX XXXX XXXX. I HAVE NOT EVER AUTHORIZED NOR GAVE PERMISSION TO XXXX XXXX XXXX  TO REPORT ANYTHING ON MY CREDIT FILE. ANY IMPLIED AUTHORIZATION AND/OR PERMISSION GIVEN WETHER WRITTEN, UNWRITTEN, VERBAL, AND/OR NON VERBAL IS EXPRESSLY REVOKED. ALL THE ABOVE IS TRUTH UNDER PENALTIES OF PERJURY. 

XXXX XXXX XXXX BENEFICIARY AUTHORIZED REPRESENTATIVE

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