vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
I paid the amount 4 days before the late day. I have had car for almost a year no lates. I know to most company 's that's not a big issue but to me it's not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
I paid the amount 4 days before the late day. I have had car for almost a year no lates. I know to most company 's that's not a big issue but to me it's not good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - 1985 Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX WAY, XXXX XXXX XXXX FL, XXXX EMPLOYER - 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 2024-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Citi informed us via mail that they were closing our account and that funds needed to be moved or they would be mailed via check. We received this letter around XX/XX/XXXX. I called Citi to see if I could wire the funds and was told that I could if I went online. I processed the wire however due to it being over {$610000.00} they needed to validate over the phone, but didn't tell me that when I called. I missed the window to be able to process a wire. The account officially closed on XX/XX/XXXX. They were supposed to send the check in 24-48 hours due to the amount. They told me 10-15 business days. I have tried to contact Citi several times through my customer relations manager and the general customer service line as I don't have a bank located locally and their only solution is to continue issuing checks. I am losing thousands of dollars of interest. Please help me resolve.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: DE

Complaint narrative:
I booked complimentary rooms at two hotels in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 - XX/XX/2024 ; however, you have to put a deposit down. I used my cash app card to put the room deposits down they both were {$200.00} a piece totaling {$400.00}. I checked out of the rooms on time, there was no issue with the hotels. The deposits are to be returned/refunded. Cash App will not refund them and it's been two weeks. They are stating that I have to wait 31 days for them to be refunded. That's a total of {$400.00} I have to wait to be refunded from two deposits each {$200.00}. Cash App is holding on to my money for no reason. I have spoken to both hotels and they have both canceled the deposits as they should have. Noone from Cash App is of any help to me and they close out their chat. I believe they are withholding the deposit personally because I keep contacting them. There should be no reason when a transaction is canceled that a person has to wait 31 days to see their money back. I would like my money back onto my cash app account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX. 
Investigation Request Letter Date of Birth : XX/XX/year> ( SS # : XXXX ) To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I.am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Type of Account : Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a third party and delete if anything is incorrect Collection Account : Account Number : Please investigate if every piece of information is correct. If not, please remove it from my credit report. Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as " paid as agreed '' I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. Thank you for your time and help in this matter. Sincerely, ( 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 2024-04-22 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: TX

Complaint narrative:
Please see the attached affidavit and remove the following account from my credit report due to FCRA violations. You also failed to enter a notice of dispute on my credit report 30 days after the items were disputed. XXXX and XXXX have removed the following accounts pursuant 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: LA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: FL

Complaint narrative:
XXXX has violated my rights to privacy according to CFPB laws by allowing XXXX XXXX to attack my report with a fraudulent account that I am not responsible for. I refuse to pay or contact them to give them information that they dont have. Here is my correct ID and SS card for proof of ID AND Residence for more than XXXX please dont share this with anyone. I never signed a contract with XXXX XXXXXXXX nor XXXX FOR ANY DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has violated my rights to privacy according to CFPB laws by allowing XXXX XXXX to attack my report with a fraudulent account that I am not responsible for. I refuse to pay or contact them to give them information that they dont have. Here is my correct ID and SS card for proof of ID AND Residence for more than XXXX please dont share this with anyone. I never signed a contract with XXXX XXXX nor XXXX FOR ANY DEBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: MD

Complaint narrative:
I have a few charges on my acct that I didnt approve. However the bank told me that they were accurate and they are going to deny my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a Chase Bank XXXX which is an affinity card with XXXX XXXX. There is an annual fee. I never use the XXXX and this year I called Chase to cancel this XXXX. They want an annual fee paid nevertheless, and now with interest any payment penalties. They have closed the account, but nevertheless insist on payment with increasing interest and penalties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see the attached affidavit and remove the account XXXX XXXX XXXX XXXXXXXX from my credit report due to inaccurate information. XXXX and XXXX have removed this account. Experian is in violation for reporting incorrect information for the payment history. I was never late XXXX times on this account. At one point, Experian was reporting that I was late XXXX times then they changed it to XXXX times, now my report is showing late XXXX times. Experian has proved that they are not credible and that they are in violation of the FCRA. Furthermore, this account was sold to XXXX XXXX. Please see the response letter from the creditor showing that discrepancy in late payments and remove this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX : # XXXX,, Account Name XXXX XXXX XXXX  XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX : # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights 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 2024-04-22 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: EQUIFAX, INC.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXXXXXX XXXX  dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XXXXXXXX XXXX dealership ran my credit report multiple times without out my permission with different banks Between XXXX and XXXX. I reached out the dealership and the 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 2024-04-22 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: NC

Complaint narrative:
My name is XXXX XXXX and Equifax has been allowing XXXX XXXX  AND XXXX to provide erroneous false information that is ruining my credit score. I have submitted multiple identity theft report to Equifax. Equifax has not updated or investigated the inquiry I posed in any of the reports I have submitted to them. Lastly XXXX XXXX  AND XXXX has violated the FCRA by reporting incorrectly to my credit report. How is it possible to have all positive marks and the file be marked charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Notified credit card company in XXXX of change of address. 
They acknowledged the change but never applied it to my account. 
I have called each month in XXXX, XXXX, XXXX, and XXXX per conversation with the representative on the phone. They said they would send me my statement to my new address which never happened until after my last conversation in XXXX. 
I am now being charged late fees for the months of XXXX thru XXXX which I refuse to pay because of their negligence. The representative and supervisor where very nasty and abusive on the phone. They refused to remove the charges, so I closed the account. 
I will have to proceed with legal action if this negatively affects my credit. I've changed my address with all my other credit card companies with no issues. I feel this was a scam to collect additional fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-22 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: MI

Complaint narrative:
After reviewing my credit report, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a credit card with Regions Bank and they created a balance transfer of {$3600.00} in XXXX from my XXXX XXXX card. I called when the balance transfer did not show up and the agent said she didn't see the transfer so she would just do another one. It was for {$3600.00}. 

Not long after that I noticed I now owed {$7300.00}!! I was also charged XXXX balance transfer fees. Since XXXX, Regions has been telling me they will reverse the charges and fix their error. 

I called back shortly after XXXX and an agent told me they never opened a ticket to reverse the issue. I am STILL waiting for these charges to come off of my account and to be refunded the additional balance transfer fee. I am being told I must pay double the payment or I will get late charges! 

This issue has dropped my XXXX XXXX almost XXXX points but I am being denied the right to fix it. Regions has not only charged me double and erroneous charges but has also destroyed my credit and ability to apply for loans elsewhere. 

I have called over the last few months so many times and spent so many hours trying to fix the issue that I have lost count. Regions has all the notes on this issue but STILL will not fix it. I was told it should have been reversed by the end of the week XX/XX/XXXX or so, yet here I am again. 

I don't understand how this can be acceptable to do for a customer and they will not allow me to speak to anyone higher up from the regular number for customer service. I tried emailing XXXX of the top managers at Regions I found online and that still did not work. 

PLEASE help me repair the credit and get these charges reversed since they will not help. 

Thank you

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