vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Everi Payments Inc.
State: TX

Complaint narrative:
On XX/XX/year> Upon attempting to visit XXXX XXXX in XXXX XXXX, I attempted a withdrawal for {$1500.00} which was declined by XXXX ATM ( XXXX XXXX ) I received an error message which told me that the transaction could not be completed, and that the account had not been charged. My Card was returned and no receipt was printed. The ATM Then went into a red display mode and said ATM Temporarily unavailable. However when I notified XXXX of this issue, XXXX tried to tell me they needed time to contact the XXXX XXXX XXXX. During their investigation they received supposed film and confirmed according to them that the cash was dispensed. I did not receive any cash from this ATM. My ATM XXXX limit is only {$1000.00}, not {$1500.00}. Secondly, I received an error at their ATM Machine, and I did Advise the XXXX on duty at that time and they did nothing to resolve the issue instead telling me I was not charged. This Same ATM attempted to charge me for Gaming tickets as well, even though I performed only a balance transfer. It tried charging me 8 times the same night {$1400.00}, {$1400.00}, {$840.00}, {$1600.00}, {$1600.00}, {$1700.00}. All of which were declined by my bank and the card was returned each time, However the ATM continued to provide errors. Account not charged and kept becoming temporarily unavailable. At this time I still have not received any funds from This ATM. Regardless if XXXX and XXXX were used my bank allowed the last transaction to go through, and I did not receive any funds. I did not attempt making a withdrawal for {$1500.00}. I was attempting a balance transfer. Which still requires you to use the pin. Lastly, I was not made aware of the fee that the ATM was charging in advance either. I was not prompted with a message to warn me about any fees. I did not accept such messages, and I did not receive any funds. I did bring money with me, and regardless what they think I had money already in my wallet and not from this transaction. I fully believe if a service or merchandise is not received the merchant is obligated to provide a refund. This is due to XXXX XXXX XXXX this time XXXX XXXX continuing to provide false information and XXXX XXXX not conducting a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: DE

Complaint narrative:
My account with 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 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.

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 8

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 2024-08-20 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: GA

Complaint narrative:
My name is XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am a victim of the Equifax XXXX breach as well as the NATIONAL PUBLIC DATA data breach. This fraudulent, inaccurate, and false information consists of the following fraudulent hard inquiries : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX ENTER Inquiry date XX/XX/XXXX XXXX XXXX XXXX CREDIT Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX XXXX BANK Inquiry date XX/XX/XXXX There should only be XXXX name on my credit report. My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. All other addresses on my credit report are undeliverable and should be removed immediately. I do not recognize the aforementioned names, addresses, or hard inquiries as reported. The aforementioned accounts, 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, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: MI

Complaint narrative:
To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS DISCOVERBANK Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX OF XXXX Account Number : **** Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete this account. 

6. 15 U.S. CODE 1692e - False or misleading representations CHRYSLERCAP Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX CRED Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 2024-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/24 I noticed that there were multiple transactions coming in and out of my Savings account ( XXXX to be exact ) in the amount of {$5000.00} dollars. My account went from having XXXX dollars in it to having- {$6300.00} in it. USAA stated that they do not find that Fraud had occurred. I asked them at each of 3 calls as I noticed money being withdrawn, that they freeze or lock my account, and they said they could not do that till the investigation was over. Remind you all of their calls are recorded. Their final verdict was that they would not refund any of my money and that I would have to pay back the negative amount. 

The same thing was happening with a linked account that they gained access to when they got my information from USAA to my XXXX  and they stopped it and allowed me to close my account and open a new 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 monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Flagstar have been playing loss mitigation games with me since XX/XX/year> its been grueling self defeating and discouraging the latest unethical tactic is they website have been blocking me out for 2 weeks straight. Originally I was only 4 payments back Flagstar also went far as refunding my last payment in XXXX just to justify to put me in active foreclosure while in the guise of supposedly helping me with the loss mitigation, come on I sent them every document they requested for the last 6 months and they still keep coming up with something new or come with the we haven't received the documents are we can't read the document the same ole same Ole. It's XX/XX/year> and now they accelerate the forecloser while I am waiting for their review I was told one thing about I have sent in all the documents then only by mistake when I call in to ask questions I am told or asked for documents that they have not asked for the prior six months because of all of this I not only owe the original back payments but a extra XXXX in lawyer Reinstatement fees. When I talked to the Reinstatement lawyers I asked them why would they accelerate a foreclosure on me the reply was Flagstar bank told us to so I called Flagstar bank and asked them why would you instruct XXXX XXXX XXXX to accelerate a foreclosure on me the reply was your loss mitigation is not complete all this after 3 days prior I was told by Flagstar that they have received all requested documents this is what I call the Loss Mitigation game. One more note in XX/XX/year> I called in to pay the 4 months back that was allegedly owed I was told they wouldn't accept the payments because as of today we filed an active foreclosure on you that day, all the while I was thinking the loss mitigation process was in good standing. Very very deceptive.

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 2024-08-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems Inc. has collection on my credit from XXXX XXXX Which I never have used. My father had them when he died. I think. I moved into his house a year after he died. So they think Im him. Even though I already explained this to them. They should check social security numbers and or middle names. They only put this on my credit after I looked at their services like 4 years after my father died.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Various XXXX in the XXXX, TN were stating that they were charging me for services that I did not receive from them which resulted in inflated XXXX  bills. I disputed a {$3000.00} charge with Capital One for XXXX XXXXXXXX XXXX XXXX XXXX. Capital One requested that I submit a detail bill from the XXXX  office. Once I reviewed the invoice I notice that the XXXX had charges on the statement for XXXX XXXX XXXX. I did not receive any services for XXXX XXXX. The XXXX charged me {$3000.00} for an XXXX  and XXXX. The XXXX  was placed on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent Capital One a second opinion/scans showing that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office. Capital One asked for me to respond with necessary documentation by XXXX. I did and received my credit. Then on XXXX, Capital One reversed my charge. Stating that I did not provide them with proof. This is untrue. I submitted emailed communications from the XXXX off that I filed the complaint on, I submitted a detailed invoice, scans displaying the XXXX fell off, and a written letter from the XXXX XXXX  that states the XXXX was missing. I've also highlighted were the XXXX wrote in his report that he provided me with XXXX. Again, this is untrue. I wanted XXXX XXXX to conduct a XXXX call to verify the XXXX XXXX XXXX He would not. I moved several hours away. He wanted me to drive back to XXXX when he could have conducted a video call. Attached are email from the XXXX office of me trying to resolve the conflict.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: DE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 in ( MONTHS REPORTING LATE ) 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. 


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

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

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


Delete the late payments from my consumer reports

Company 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 2024-08-20 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: EQUIFAX, INC.
State: PA

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. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This account is being reported on my consumer report. I have no knowledge about this alleged debt or this collection company. I was never notified about my right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNt : 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 non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling 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 non-monetary relief