vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I received a check on XXXX for {$3500.00} and submitted it for mobile deposit in my Ally checking account that day. On XXXX, I observed in my account that the check appeared to have cleared and {$300.00} was available for use, with the remaining amount set to become available the following day. On XXXX, I checked my account in the morning and confirmed that all of the check ( {$3500.00} ) was available in my account. Later in the day, I received a call from the person who wrote the check stating that their bank ( XXXX ) flagged the check for fraud and pulled back the funds because my name was handwritten on the check instead of typed like the rest of the text on the check. The person from whom I received the check informed their bank that the check was not fraudulent, and she confirmed that a new check would be issued to me for deposit. Shortly thereafter, I received an email from Ally stating that my accounts were locked and I needed to call. I called the fraud prevention department and answered all of their questions and also attempted to explain the situation to the best of my knowledge. I asked the agent to outline the next steps and provide a timeline for resolution. The agent was unable to provide a timeline for resolution and vaguely explained that there would be an investigation. I called back later in the evening and was rudely dismissed by the same agent. She was unable to explain what was going on with my case and what could be done to retrieve access to my accounts. I called the fraud prevention line again on XXXX and again spoke to the same agent. I requested to be transferred to another agent for assistance. The agent stated she would transfer me to the escalation line. After being on hold for an extended period of time, the agent stated that no one was available to speak to me and she would email someone and ask them to call me. I currently do not have access to XXXX savings accounts, a checking account, and an investment account. Ally is completely unwilling to provide any sort of explanation for how long their investigation will take, what it entails, and when I can expect access to all XXXX of my accounts. I am unable to even log in to Ally to see any of my account balances, and I have no way to receive my paychecks or access my money to pay my upcoming bills.

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 2024-09-12 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: IN

Complaint narrative:
I need your help fixing this wrong account that's been placed on my credit report. It's damaging my image, and I shouldn't be left begging for your help. Your mishandling has wrecked my credibility. You have to get rid of this false information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alorica Inc.
State: TX

Complaint narrative:
According to " FDCPA '' you are required to send me a written notice, with 5 days which you did not, called a " validation notice, '' that tells me the amount you thinks I owe, the name of the creditor, and how to dispute the debt in writing which you did not send and if you think you do please provide me a signed confirmation that I received such letter, if you can not provide this, delete Account Number : XXXX XXXX  from my credit report. It is a major violation of my consumer right per FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report 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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/year> I tried online to redeem my Rewards Points on my Citi Dividend Card, which amounted to over {$160.00}. The choices were to receive a check in the mail or to have it deposited into my bank account. Unfortunately I opted to receive a check. I never received it despite numerous phone calls between XXXX through XXXX and a letter mailed to their " Contact Us '' address on their website. I was always told on the phone that a new check would be issued and mailed, and my mailing address was verified several times. I asked them to deposit it instead and they said they couldn't do that. The last time I called, the Rep hung up on me when I asked him his name. According to their website, my Rewards Check has been redeemed. If it was redeemed, it was not redeemed by me. 
I want to see a copy of the cancelled check and report it stolen. I hope you can help me recoup my check/payment.

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 2024-09-12 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: FL

Complaint narrative:
I have unauthorized inquiries on my credit report with Experian, someone used my social security number for personal gain.

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 2024-09-12 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:
My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-12 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: PA

Complaint narrative:
Im completely floored by the fact that, out of nowhere, Ive discovered incorrect accounts on my credit report this evening. I regularly check my report, and this has never happened before. I tried refreshing my browser, hoping it was just a technical error, but the wrong information remained. Please, check the documents I submitted carefully, as I want to put this behind me and never have to face it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: NV

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MS

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-09-12 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: WA

Complaint narrative:
I am a victim of XXXX XXXX and I am requesting that this information that is a direct result of XXXX be removed from my 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 non-monetary relief
Consumer complaint received 2024-09-12 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: I.C. System, Inc.
State: PA

Complaint narrative:
I C System INC is in direct violation of my Consumer Rights. According to the Fair Credit Reporting Act as a Consumer I have a right to Fair and accurate credit reporting. As a Consumer I have a right to ask that the consumer reporting block inaccurate information that may be the result of identity theft. On numerous occasions I C SYSTEM INC was informed THE FOLLOWING account information being FURNISHED to I C SYSTEM INC and reported by I C SYSTEM INC is in fact inaccurate and they continue to report. I C SYSTEM INC is using the color of Law to publicize and report inaccurate and private information that has resulted from it's own ACTS of FRAUD and IDENTITY THEFT as defined by 15 usc 16819 ( a ) ( q ) regarding the following accounts ( include accounts ) In addition, I C SYSTEM INC was also informed above mentioned accounts are involved in litigation. I have not supplied proof under the doctrine of estoppel by Silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX I may Presume that no proofs of the alleged debt, nor therefore any such debt in fact exists. There are several addresses being reported that do not belong to me as well as inquiries. The only address that should be attached to my consumer file is XXXX XXXX XXXX XXXX XXXX XXXX There should be no HARD inquiries. My file contains the following unauthorized inquiries that must be removed pursuant to FCRA. Collection and 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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> I made an online deposit of my paycheck. On XX/XX/year> those funds were then available to me in the morning, however when I checked my account later that day, my funds had been reversed and no longer available. When I called I was told my employer did not sign my paycheck. I was told to have them sign the check and then deposit the check again. I looked at my check and saw that it was clearly signed by my employer. On XX/XX/year> I walked into a branch in XXXX, Michigan to deposit my clearly signed paycheck. I spoke with an employee at the branch and they assured me that my check will go through on the next business day. They processed my deposit and I left. On XX/XX/year> my funds were available in the morning but however once again later on that day my funds had been reversed and no longer available. I call and spoke with a representative at around XXXX on XX/XX/year>. I was told that their legal department needed 7-10 days to process my check and resolve my issue which they claim again that the check was not signed. The branch employee on XX/XX/year> clearly saw that the check was indeed sign but the bank at the higher level was not accepting that. In the meantime my house payment was pulled. They told me they would still process that payment. On XX/XX/year> my house payment was returned to the bank due to XXXX. Also my car insurance payment was declined. I talked through an instant message on my banks website on XX/XX/year>. They told me they couldnt process my payment due to a signature issue. On XX/XX/year> I called again and was told now that the only way they will process my check is to have my employer cancel my check and re-issue it. I called the branch at XXXX, Michigan and spoke with the manager teller. She advised me that she will file a complaint on my behalf and still had my physical check. She said she would speak to the branch manager and they would handle the situation. I was told I would receive a call back. By XXXX on XX/XX/year> I still had not received a call back so I contacted the branch again. The manager answered and she then said that she is waiting for them to call her back higher up and that this process would still 7-10 business days. I have no incurred late fees on my house payment as well as a returned check fee and I have also incurred late fees on my auto insurance. No one at the bank it willing to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 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: KS

Complaint narrative:
Hello and good day, please read this complaint carefully as I would like to bring to your attention these fraudulent credit inquiries that have been placed on my report. This has been stressing me out as I am not aware of these and I do not recognize them, I did not applied to these or gave authorization to have these placed on my credit or for these companies to access my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MD

Complaint narrative:
My regular payment history does not align with these late payments.

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 2024-09-12 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: NY

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of XXXX XXXX XXXX XXXX XXXX my credit applications being denied because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: GA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-12 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: AZ

Complaint narrative:
I'm asking for assistance with this incorrect account on my credit report. It has damaged my good standing, and I shouldnt have to plead for your help. Your mistakes have left my reputation in shambles. These wrong entries need to be taken off my report now.

Company response to consumer: Closed with explanation