vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, D.C. XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX - Account Number XXXX XXXX - Original Creditor : XXXX XXXX reports the account was paid as agreed, with a 100 % on-time payment history. However, Experian and XXXX report 1 late payments, which is inaccurate. Despite multiple disputes ( over 1 time ), the error persists. 
I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing regarding late payment report on my account that are inaccurate. i respectfully request an investigation into this matter and removal of late payment from my credit report, as i believe it may be inaccurate or unfairly reported.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
A credit card account ending in XXXX has been paid in full and charged off as of XXXX. USAA is reporting that the charge off was closed on XX/XX/XXXX with another late payment of XX/XX/XXXX. This is inaccurate. I have proof of payment on this account showing when the charge off closed in XXXX. A charge off being closed in XX/XX/XXXX is impossible as the account has had no date reported for a year until these new bizarre late payments. 

The charge off date needs to be updated to the date the paid in full, not XX/XX/XXXX. 

Update the charge off closing date to the day payment was received 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 explanation
Consumer complaint received 2024-12-10 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: SC

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were fraudulently opened or initiated without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request these items be removed immediately from my credit report. 
Fraudulent Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX  - XX/XX/XXXX - {$10.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$10.00} XXXX - XXXX - XX/XX/XXXX - {$5600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6600.00} Fraudulent Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/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 XXXXXX/XX/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 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for Citi XXXX  card XXXX XXXX XXXX XXXX I received notice that i was being sent the XXXX XXXX. I called Citi and pointed out the mistake ( before the card was sent ) and they said they would change to the XXXX card. 

Before the card arrived I logged into the app and could see that the APR was 26 % not the advertised 0 % for 15 months. 

I called and they had me email XXXX - it seems I'm not the only one with issues. 

I did email and copied the text from the website ( which is still live ) but received no response. 

I finally received my card today ( XX/XX/year> ) and so I called again before activating and once again explained the problem. They would not grant me the advertised 0 %. This seems like scam to me and should be stopped.

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 2024-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: OK

Complaint narrative:
A company named, Credit Corp Solutions Inc. on a debt for {$720.00}. They recently started calling me in XXXX, and now theyve been calling me seems like back after back since XXXX. On XX/XX/XXXX, around afternoon time, one of their employees called me again, asking for the debt of {$720.00}. I informed this employee that they just called me and I told them the same thing, I dont have a job or any money. The employee goes on about me paying the debt and she had an attitude and aggression towards me. She said that they have to keep calling me, and I went on to tell her that nothing going to change, I dont have a job or money, and she continues to go back and forth with me stating that they are still going to keep calling me and they I dont have to have to argue with her. As I was talking to her, she hangs up in my face, even though she was the one that called me. I then called back to report her and the manager got on the phone. The manager mentioned that they are not harassing me, even though i told them they are. She said they are not violating the FDCPA by calling me so many times. The manager didnt bring up about how I said her employee was being rude she talked mostly about how me not paying this will effect my credit negatively and I need to pay and this isnt harassment. This company has caused me much emotional distress and has not done anything about the employee harassing me and continuing to call my phone. The manager then ignored me and stop talking to me as Im trying to report the employee that was rude to me. In the end, I received no help from this company. I also, have a recording of my conversation with the manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The lying agent at Bank of America named XXXX XXXX falsely claimed that she will contact me back and she openly lied to CFPB that the cases have been resolved while they sent a correspondence to me saying the case is still ongoing

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 2024-12-10 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: PA

Complaint narrative:
To whom it may concern, I recently received a copy of my consumer report and discovered numerous inaccuracies in the negative accounts reported. This has not only negatively impacted my ability to obtain credit, but it has also shattered my trust in the banking system. I have been denied credit cards and home loans due to these inaccuracies, which have not only tarnished my reputation but have also taken a toll on my mental and physical well-being. There is no law that mandates consumer reporting agencies to provide information about a consumer, which is why Congress outlined the importance of this role under 15 USC 1681 ( a ) ( 3 ). Furthermore, your company has failed to uphold fairness and respect for my privacy as specified in 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items were thoroughly and fairly investigated. Additionally, please provide details on the system and criteria used by your company to verify transactions. Your actions appear to be in violation of several federal laws, including those that protect consumer privacy. I am giving your company the opportunity to rectify this situation by deleting these fraudulent accounts as soon as possible.

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 2024-12-10 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is my 3rd attempt to remove inaccurate information from my report. I recently checked my report and noticed that there are inaccurate addresses, inquiries and a bankruptcy reporting without my permission. 

The inquiry is listed below : XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>

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 2024-12-11 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
I was shocked and angered to find that your company pulled my credit multiple times without my consent. These inquiries are seriously affecting my credit score, and the stress theyve caused is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: IL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. 

ACCOUNT : XXXX XXXX XXXX  # XXXX ACCOUNT : XXXX XXXX XXXX # XXXX Inquiries : XXXX  date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX XXXX XXXX date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX : XX/XX/year>

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 2024-12-10 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
I have initiated a transfer from Wise Inc on XX/XX/year>. The money was supposed to have been deposited 3 days later. On XX/XX/year>, Wise informed me that their partner Bank, XXXX XXXX XXXX XXXX had paused the transfer, asking for additional details. They wanted to know what " XXXX '' in the reference field of the transfer meant. XXXX is my wife. I provided that information on XX/XX/XXXX, and since then, I've been unable to get a straight answer from WISE, about when the transfer will be unpaused. On live chat, they told me 5 business days. It's been month and a half now. The funds are not with WISE, and the funds are not with the receiver either. 

Whenever I try to reply to WISE emails, my email bounces, their live chat is disabled according to them, and you can never get someone on the phone. 

WISE is giving me different time frames when this MIGHT be resolved. I received an email from them on XX/XX/XXXX, so 26 days after the transfer was initiated, stating that the case MIGHT be resolved within 10 working days to a month, and if I don't hear from them after 30 days, the case is closed???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I received a phone call on XX/XX/XXXX from someone claiming to be from the security department of Navy Federal. He said I had suspicious activity on my account. I didn't think anything of it because I had recently had many unauthorized charges on my cards that I was able to decline initially. He told me that I had made purchases in XXXX and Virginia ranging from {$1000.00} to {$1500.00}. He already had so much of my card and banking information I didn't think about the fact that he was scamming me. I was told I was sent a one-time code to verify my identity. After giving them the code, I watched my money move from my savings to my checking account, where it was subsequently paid out in several small deposits and three large deposits, with the total being around {$7900.00}. After realizing I had been scammed, I immediately called Navy Federal, only to get placed on hold after telling them I was just a victim of fraud and that I needed my account locked down immediately. I then drove directly to my local Navy Federal branch, where I was able to close my accounts and file a fraud report with the help of one of the representatives. Them and I agreed that it was very obvious that I was not the person making these charges on my account, due to the fact that the locations the money was being sent to were thousands of miles away from where I live. I recieved an email from Navy Federal on XX/XX/XXXX, stating that they had found no error in my transactions. This seemed very absured given the circumstances, so I went to my local branch again to further discuss why my fraud claim was denied. I was given little information or justification, so I jut asked about how to appeal it instead. I was told by the respresentative that I should recieved a message from navy federal on the mobile banking app, telling me how to file an appeal. I never recieved this message, and was instead given a piece of paper that provided little to no room for me to state the case as to why I felt like I deserved to get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
This morning, I saw inaccurate accounts on my credit report, and Im completely baffled. I always check my report regularly, but this time, I found discrepancies that seemed to come out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The errors are still there, and I dont know what else to do. Please, Im begging you to review the documents Ive submitted thoroughly so I can stop living in this constant state of worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CO

Complaint narrative:
XXXX XXXX XXXX open account. With out the letter of approval from my XXXX  XXXX Trustee office. And XXXX XXXX  same problem. I will be having the cfbp sending this to all legal departments and the credit card company and there legal departments

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 2024-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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