vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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. 


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 explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
I called to cancel my membership with XXXX XXXX several times. They keep telling me to come speak with a manager. I did do that, but the manager is never available. I have one in XXXXXXXX XXXX where Ive tried to cancel numerous times. I live in XXXX  now. Then I opened a new one in XXXX that I need to cancel because I have gym equipment in my home now. I didnt go to them to sign up, I did it online. So they should cancel without me being present.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I should have been a part of the class action suit against Wells Fargo. They would not work with me to avoid foreclosure. I had a date for foreclosure soi was forced to sell house so I didnt lose it.

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 2024-06-13 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I attempted make a payment to Citi Bank credit card several times on XX/XX/year>, which was the due date. Unfortunately, I was unable to access their website to make payment on XX/XX/XXXX. I have a screen capture on my phone that I hope would show that I was not able to access their site. 

However, I was able to access their website on XX/XX/XXXX, and I paid the full outstanding balance as I do each month. 

After learning of the charge, I contacted Citi Bank to request that the late payment fee and interest be removed. They refused to remove the fee and interest. I believe Citi Bank purposely prevented me from gaining access to their site to complete the 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 2024-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm filing this complaint regarding a fraud account opened XX/XX/XXXX. I noticed on my credit file XXXX XXXX XXXX BALANCE XXXX This account was opened FRAUDULENTLY DUE to identity theft. I contacted the creditor and the address the account was open under XXXX XXXX XXXX XXXX CA XXXX. I have NEVER LIVED AT. THIS ADDRESS IS ALSO NoT ANYWHERE ON MY CREDIT FILE RECORDS.. 
I DO NOT OWN THIS DEBT. I RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX FROM XX/XX/XXXX TILL XX/XX/XXXX. 
PLEASE REVIEW BELOW FTC REPORT AND POLICE REPORT AND LEASE AGREEMENT. DELETE THIS ACCOUNT OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 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: IL

Complaint narrative:
I am writing to formally request the removal of the bankruptcy information listed on my credit report. I have reviewed my credit report and have identified that the bankruptcy entry is either incorrect. According to the Fair Credit Reporting Act ( FCRA ), it is my right to dispute information that is inaccurate, incomplete, or unverifiable. The specific reasons for my dispute are as follows : The bankruptcy information is incorrect and does not pertain to me.

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 2024-06-13 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: TX

Complaint narrative:
Please remove and block. 
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.

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 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

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 explanation
Consumer complaint received 2024-06-13 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: NE

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Cneverode 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 


This is second box in the files attach ghe two documents you sent me and when. You type company name just use any one with XXXX  equifax and XXXX Please remove these items as it is in violation of my permissible purpose these accounts were forged of my signature i never gave written permission to furnish at all never gave permission to the alleged creditor or the third party reporting agencies XXXX equifax and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: NE

Complaint narrative:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Cneverode 1681b Permissible purposes of consumer reports I gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

This is second box in the files attach ghe two documents you sent me and when. You type company name just use any one with XXXX XXXXXXXX and Experian Please remove these items as it is in violation of my permissible purpose these accounts were forged of my signature i never gave written permission to furnish at all never gave permission to the alleged creditor or the third party reporting agencies XXXX XXXX and Experian XXXX XXXXXXXX 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 2024-06-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I bought my credit card around XXXX at my local XXXX XXXX I bought it with cash ( {$25.00} American Express gift card ). I ended up having to wait over half an hour just for my card to activate. I tried inputting the card information into my apple wallet, but it supposedly didnt work. I then tried multiple online websites like XXXX and XXXX XXXX. Still of no avail. After doing some research, many thousands of people if not millions have had the same issue as I have. So I then called the number on the back of the card. They were of no help, and I was only told to keep trying. Id like my refund immediately since i also had to pay a extra {$5.00} fee for a gift card that doesnt even work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am attempting a transfer money from my Marcus Goldman Sachs account to  my XXXX account ( processed through XXXX ). This transfer drained my account as I was intending to close my MGS account. After initiating the transfer this morning I received a phone call from someone at MGS saying that they could only process a portion of my transfer because the final {$2000.00} had a " security hold '' on it. The CSR stated that because I had deposited that money in the account in XXXX ( 3 months ago! ) there is a " security hold ''.

I asked why there was a security hold and was told that this is simply their policy. I asked for how long the security hold was and the CSR told me that he could not give me a definitive answer, just that it would be between 3 and 6 months. 

I asked for solutions instead of problems he said that the only way for me to get my money was to transfer it back to the originating bank. Unfortunately that bank ( XXXX XXXX XXXX ) no longer exists. 

Please help me get my money transferred to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Truck was dropped off to vendor on XX/XX/year> and no estimate or contract was in place there for there was no authorization for work to be dome per California Bureau of Automotive Repair. When citi was asked to investigate this truth they keet responding with a 3rd party has to tell citi what is in the written estimate but there is no written estimate/contract.

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 2024-06-13 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts 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 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
1- XXXX XXXX XXXX XXXX  XXXX Charged my Card {$23000.00} for No Service Provided. 
2- On XX/XX/year> I Disputed these fraudulent Charges with American Express XXXX Ref. No. XXXX. 
3- On XX/XX/year>XXXX XXXX XXXX Closed the Dispute with no resolution, apparently, American Express relied on False Invoices provided by XXXX XXXX XXXX, for a vehicle that they didn't perform any work on. 
4- XXXX XXXX even refused to provide me with documents to determine the validity of the debt. 
5- XXXX and American Express took advantage of my Old Age, to run this scheme, and deprive me of my right to dispute fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Nelnet illegally obtained my information from Great Lakes my account was already paid for and closed before Great Lakes switched over to nelnet they should not have had my information. They have also falsified loan documents and XXXX documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a denied credit card application from chase cards in XXXX of 2024 that i did not apply for and was denied due to low credit score. i called them to let them know and also placed a fraud alert on my credit report. In XXXX of 2024 received another denied credit card application from chase cards again that i did not apply for and it wasnt denied due to the credit alert it was denied due to low credit score. when i reached out to chase again i asked how they could have processed this without reaching out to me to confirm my identity. they would not answer my question and told me the application wasnt fully processed even though i had recieved confirmation in the mail that it was indeed processed and i had a credit inquiry from them on my credit report. I feel strongly that this application should have never gone through with the active alert on my credit report and i think they should be held accountable for not doing their due diligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 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: NJ

Complaint narrative:
Equifax is furnishing an account ( XXXX XXXX XXXX ). Equifax is furnishing an incorrect balance of {$1100.00}. This account is being reported opened on XX/XX/year> which is completely false. The original creditor isnt listed on my consumer report that Equifax is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

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. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

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 explanation