vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: GA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

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

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

Company 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I never signed up for any student loans 15 USC 1692C Consumer Law States A debt collector must halt its collection efforts upon receiving a written request from a consumer to cease collection efforts or a written refusal to pay the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-10-29 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-10-29 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-29 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 explanation
Consumer complaint received 2024-10-29 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that in fact was paid on time, as agreed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached XXXX screenshots on the following dates ( XX/XX/year> & XX/XX/year> ) of my report to this complaint for documentation. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to " Paid on Time '' immediately. Thank you for your cooperation and understanding of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: DISCOVER BANK
State: MS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX, Consumer Date of XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agencXXXX XXXX credit reporting agency XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX with a balance of {$0.00} Discover credit card With a balance of {$960.00} XXXX XXXX XXXX  with a balance of {$0.00} in a XXXX bill from XXXX XXXX XXXX XXXX with a balance of {$1000.00} that appears related to the aforementioned .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
A person claiming to be with XXXX XXXX XXXXXXXX XXXX department contacted me on XX/XX/year>, stating that someone in the name of XXXX XXXX has created an Zelle account with my information and was sending themselves XXXX. In order to stop this transaction, I needed to create a correct profile in my own name and send a cancellation transaction in the same amount. I had never used the Zelle service before and did not have an account currently created. They told me I would not be able to see this pending transaction because I do not have an account. The phone number came up as XXXX XXXX  on caller id. and their authentication process matched XXXX XXXX identically. They asked for my information in the same way- account number and last 4 of social. Then they sent an authentication text in the same manner that I am used to. Everything matched up. They asked me to send a code as the amount and to include the verification code from the text in the memo : XXXX. The transaction was completed moments later. Once I saw the transaction on my account, I knew something was wrong. I called Zelle, they werent able to give me any information about the transaction being due to fraudulent behavior. I called XXXX XXXX and they said the same thing. I had been scammed. I called Zelle back and submitted a claim but they pointed me back to my bank. I submitted a claim with XXXX XXXX too but received a letter from XXXX XXXX stating that my claim was denied on XX/XX/year>. I am very confused as to why nothing was done by Zelle. I have been reading that users funds have been refunded from the scammer using a new protocol- but nothing was done in this sense during any of my discussions. And now I am left to wonder if something had been done more quickly by Zelle, if I would have gotten that money back. I would like a bit more information at this point. And possibly a reimbursement for this impersonation scam through their service. My case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2024 I was offered a 0 % Balance Transfer offer by Citi Bank Costco. I did a Balance Transfer of {$5400.00} via phone on XX/XX/2024. I called Citi Bank later in the month to see about making dedicated payments to the Balance Transfer amount and was told that there would only be a 1 % credit each month until I paid my existing balance of {$10000.00}. off. I was never made aware that the Balance Transfer amount of {$5400.00} was being added to my existing Costco balance and that I had to pay my Costco Balance off before I could make any headway on my Balance Transfer amount. I have utilized many 0 % cards to assist in paying down debt and feel like this is only adding to my stress and potential inability to pay my debts. Had I known this was the stipulation I would NOT have accepted this offer!

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 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
We have an American Express Platinum card. We tried to make a payment, but due to an error with XXXX XXXX XXXXXXXX, the payment was returned. My partner, who is the primary card holder, called American Express and a customer service representative told him to resubmit the payment and that no charges or fees will be deducted. The information provided by the customer service representative was incorrect, as American Express retries declined payments up to 3 times. This led to a lot of wasted time, and 2 charges for returned payments of $ XXXX. American Express claims to record their conversations with clients, however, they are unwilling to cooperate and listen to the recordings or be responsible for the faulty advice their employee gave. We are being charged {$58.00} due to their negligence, lack of training, and unclear procedures that even their own employees don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Hello, My mortgage, which is serviced ( if you can call it that ) by Nationstar ( " Mr Cooper '' ) is impounded. The annual hazard insurance renewal date is XX/XX/XXXX. 

Since XXXX when Nationstar Mr Cooper took over the servicing of my mortgage, it seems they are unclear on who is supposed to pay the insurance premiums. 

In early XXXX, XXXX, I received a notice of nonpayment of premium from my hazard insurer, XXXX ( XXXX ). I immediately contacted Mr Cooper electronically and followed it with a mailed letter reminding them that THEY are responsible for making sure my hazard insurance remains in force. This was very stressful - I have no faith in Mr Cooper 's ability to service my loan properly. 

At the same time, I received a letter from Mr Cooper telling me that they were going to force-place a policy. 

I finally received a reply to my initial contact ( digital ) with Mr Cooper yesterday ( XXXX ), XXXX months later. 

It turns out the premium had been paid by Mr Cooper, but not until the day prior to the policy 's renewal date. 

Considering the funds are in my escrow account well before payment is due, I think this is very sloppy business. It caused me to spend time in researching and writing letters and, as I said before, was very stressful and placed my property at risk. 

I do not trust Mr Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Due to unforseen circumstances that have lead to involuntary hardship, making it difficult and impossible for me to repay this debt and other debt obligations. I am providing you a copy for evidencing purpose, reciept of my Social Security Benefits so that you may review my circumstances and take appropriate action on account that is uncollectable debt. My situation protects me as a person on Social Security XXXX from having my income garnished by a creditor for the purpose of debt collection for private debts like credit cards. The reporting of this collection account to all three major credit reporting bureaus as a XXXX XXXX XXXX further puts me in an even more serious financial hardship crisis. 

Due to rising cost of living expenses, rent, utility, gas, food and especially car insurance premiums and other unforeseen financial hardship there is no way possible for me to satisfy this debt and other debt obligations. 

Please see attached documents regarding Social Security XXXX recipients and ( XXXX ) laws protecting Social Security XXXX recipients from Garnishment of this benefit income, making account debt uncollectable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
I received a scam call about a transfer through remitly, however, remitly didn't do anything about cancelling the transfer while it wqs still in process and the money was sent. There is usually a delay until the money is sent to the account, usually of one day, but it was almost instant now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have XXXX XXXX XXXX AFFIDAVIT filled out and asked to update my police report with my account and broker with XXXX XXXX from XXXX XXXX XXXX data breach showing the account was hacked and the Equifax administration showed a identity theft with the restoration officer.. my account was hacked and compromised showing my license theft. The XXXX asked me to get the report from my bank and credit report on my insurance company showing a fraud dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/scrub> 2023 and XX/XX/scrub> 2023. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: FL

Complaint narrative:
My legal name is XXXX XXXX XXXX, aka as XXXX XXXX XXXX and XXXX XXXX. 

I reviewed Experian credit Report Number XXXX Investigation ID XXXX and under Personal Information there multiple misspelled names. Specifically, the following names are just misspelling of my name and should NOT be on the credit report : XXXX XXXX XXXX ( Name Identifier # XXXX ) ; XXXX XXXX XXXX ( name identifier # XXXX ) ; XXXX XXXX ( Name identifier # XXXX ) ; XXXX XXXX XXXX ( XXXX ) ; I open a dispute online, provided my identification and proof of address and received attached dispute results with the report # XXXX on XX/XX/year> that still shows misspelled names and asked me to contact the sources reported misspelled name. However, there are no sources provided and misspelled names should NOT be on the report anyway. 

I've also tried to register at www.experian.com and there was someone who already fraudulently registered using my identity and the email that I have never had.

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