vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 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: NV

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 USC 1681. 
Acoounts Name & Numbers : ( Some Accounts I Only Have Partial Account Numbers, But I Will Provide My SSN Later to help track accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All Have Violated My Rights. 



15 U.S.C 1681B No Permissible Purpose 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. 16815-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2024-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
This is continuation of my previous report # XXXX. 
I sent money to the XXXX XXXX using Remitly. I sent {$2000.00} to a company. The company says the recipient never received the money. When I contacted Remitly they said someone already picked up the money. Then later they ask to see the bank statements for the recipient, the dollar account and the dominican pesos too, I sent Remitly both, and now they tell me because I sent the money in dollars to a dominican pesos account they don't know what happened to the money. They cant even do a reversal, and telling me to call the recipients bank, the recipients bank have no deposit. and XXXX XXXX have been dealing with this since XX/XX/2023 and there has been no resolution. I need to know where my money went. Remitly is not helping me at all they just tell me the money is lost and they have no idea where its at. The account number that it was sent to is correct but the money was never received and they can not tell me where it went. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank is requesting to verify checks that were already returned. The maker came into the bank with his ID to verify the check issunce and I even provided their phone number of the maker for the bank to verify, but they will not accept any form of verification in person on or through the makers bank, they also will not call any number I provided or give me any other option to resolve the account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally request the removal of a bankruptcy notation from my credit report. I believe this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which outlines the permissible purposes for which consumer reports can be furnished. 

I have not provided written consent for the inclusion of this bankruptcy on my credit report. According to the FCRA, consumer reporting agencies are only permitted to include information on a credit report if they have a permissible purpose, which includes obtaining the consumers consent. Since no such consent was given, the inclusion of the bankruptcy entry on my credit report is unlawful. 

Please investigate this matter and provide a resolution by removing the bankruptcy notation from my credit report immediately. I also request that you provide written confirmation of the removal and an updated copy of my credit report reflecting this change. 

If this erroneous mark is not removed from my credit report, I will be left with no choice but to pursue legal action to protect my rights. I will take this matter to court and demand damages for the harm caused by this unauthorized reporting. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue.

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 2024-07-16 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that I had a late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX  XXXX. Account XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated on time as they should be as I was NEVER late. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2024-07-16 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: IL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the True bill attached for violation of account XXXX XXXX XXXX XXXXXXXX and remove this account from my credit report because you are reporting inconsistent information. In complaint XXXX you stated that the creditor XXXX XXXX XXXX-VERIFIED AS REPORTED. How is this possible when you were notified that TU last reported is XX/XX/24, XXXX last reported is XX/XX/24, and XXXX last reported is XX/XX/24? All information should be reporting the same. You were notified over 45 days ago in a letter that was sent certified mail that you were in violation, and I was pending litigation seeking relief and monetary compensation under FCRA 15 US Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not updated, and payment is not received, I will forward this information to my legal attorney.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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
Consumer complaint received 2024-07-16 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: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
<On XX/XX/XXXX i realized XXXX charges was made, but i didnt do it, both {$300.00} plus int fees & attemted XXXX more {$900.00} & {$1200.00}. I called to FACEBANK and the operator indicated that XXXX was blocked due to those and other attempts. He recommended that I file a claim and I did so on XX/XX/XXXX. Dispute form XXXX. To date, there are still charges totaling XXXX & FACEBANK do not answer my dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-16 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:
My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I demand the late payment reported in 60 days 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. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, 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 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 2024-07-16 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:
I have previously disputed with XXXX, Experian and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In my XXXX credit report there appears a debt account in a state of delinquency, presented by your company which was paid to the creditor that the company assigned, please request that the error in my credit report be corrected, below in the Attached files I send you the account information settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I walked into XXXX branch deposited a cashier 's check in the amount of {$130000.00} from XXXX XXXX  into my newly opened Apple Bank checking account. The deposit receipt said my funds would be available on XX/XX/XXXX. On the morning of XX/XX/XXXX the funds were available and I made 4 succesful transactions. I then walked into an Apple bank branch, approached a XXXX XXXX male teller to inquire about making a withdrawal and an external transfer he then directed me to speak with branch manager XXXX XXXX. After she looked through my account she said that my account is still in review and I could not make any transactions on my account. I called the XXXX XXXX and the rep said my funds did clear and called the back office that said an alert by the branch manager triggered my account blockage and they will not tell me why my account is restricted. I think i was racially profiled by branch manager XXXX XXXX and she generated the request to have my account restricted. My account was not restricted until i walked into the bank branch to withdraw funds. She will not give me a reason for the account restriction and will not close the account and give me my remaining funds via cashier 's check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: CA

Complaint narrative:
I am victim of Identity Theft and inaccurate and incomplete information being reported by Equifax. After reviewing my credit report with Equifax, I noticed fraudulent inaccurate information reported by XXXX XXXX XXXX Acct XXXX for collections. XXXX XXXX XXXX reported this same XXXX account XX/XX/year>, and it was deleted from Equifax credit report. XXXX XXXX XXXX XXXX also reported this same XX/XX/XXXXaccount XXXX and it was deleted from my Equifax credit report. XXXX XXXX XXXX is in violation of XXXX CFR part 1006.18 ( 1 ) ( i ) ( ii ) ( c ) ( 4 ) ( d ) False, deceptive or misleading representation in connection with collection of any debt. XXXX XXXX XXXX Acct XXXX is Identity Theft and Fraud and is a Crime in which XXXX XXXX XXXX IS WRONGFULLY obtained and is using my Identity that involves fraud and false, deceptive misleading representation in connection to collection of debt. 

XX/XX/XXXX, : XXXX XXXX XXXX XXXX XXXX ATTORNEY IN FACT for its Complaint alleges : XXXX. Notice to brings this action under Section XXXX ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), 16 C.F.R. Part 314, issued pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804, to obtain permanent injunctive relief, restitution, and other relief for XXXX XXXX violations of the FTC Act, 15 U.S.C . 45 ( a ), and the Safeguards Rule, 16 C.F.R. Part 314. Definitions ; rules of construction 15 U.S.C 1681 ( a ) ( 2 ( FACT for ), : Responsibilities of furnishers of information to credit reporting agencies 15 U.S.C 1681s- ( 2 ), Compliance procedures 15 U.S.C 1681 ( e ) ( b ), Obligations with respect to disclosures of personal information 15 USC 6802, 15 USC 1681 ( 1 ) ( b ), Aggravated identity theft 18 USC 1028 ( A ), Protection of nonpublic personal information 15 USC 6801 ( a ) ( 1 ) ( 3 ), Chapter 41 Title 15 Consumer Credit Protection Rights , Violation of Truth in Lending Act, and Violation of Fair Credit Reporting Act.

Attached is Civil Cover sheet FTC Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
Creedence resource management is trying to collect a bill from XXXX XXXX XXXX dated back XX/XX/XXXX XX/XX/XXXX. This false statement, XXXX years ago for XXXX. 
Creedence resource management has falsified the document with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: MA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2024-07-16 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.
State: NJ

Complaint narrative:
Re : Complaint ID XXXX Subject : Urgent Assistance Required for Unresolved Credit Reporting Issues Dear CFPB, I am writing to urgently seek your assistance regarding a matter that has not been resolved despite my repeated attempts. My previously filed complaint with Equifax, dated XX/XX/year>, remains in an OPEN status. According to your guidelines, companies generally respond within 15 days. In some cases, they may notify me that their response is in progress and provide a final response within 60 days. However, it has now been 48 days, and I have yet to receive any correspondence from Equifax. 

As per the Fair Credit Reporting Act ( FCRA ), reinvestigations should be completed within 30 days. Equifax 's failure to respond within the stipulated time frame is a clear violation of these guidelines. This delay is causing significant XXXX as I have plans to seek more favorable job opportunities soon, and the unresolved inaccuracies and inconsistencies in my credit report are detrimental to this process. 

Despite numerous letters and evidence provided, these errors persist in my Equifax report. The details of these discrepancies are discussed in my attached letter, along with a screenshot as evidence. 

I kindly request your intervention to expedite the resolution of this matter. The continuous reporting of inaccurate information on my credit file is not only unjust but also hinders my career opportunities and financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your immediate assistance in ensuring that Equifax complies with FCRA guidelines and corrects the inaccuracies in my credit report without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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