vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I submitted multiple wire transfers to scammers account numbers at banks in US

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
Last week I tried to make a payment that was leftover from the previous payment due on the their website. It said I owed $ XXXX order to apply for anymore cash from my acct credit. I tried 3 times to make the payment. Each time it was denied saying something was wrong with my card info when it was all correct and there was a balance of cash money in my bank account of like {$350.00} or {$60.00}. Due to my schedule I had to get back to doing what I was doing and it slipped my mind to call them. When I got home that afternoon my car had been taken. They took it for a {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Payactiv, Inc.
State: NC

Complaint narrative:
I loaded this card on XX/XX/year> with {$450.00} directly from my payroll through their app. I have been unable to use the card in store and online since the load. Ive contacted the company several times and they couldnt find an issue. 
Finally, after about XXXX calls, they informed me that this was a known issue that had been going on since at least XX/XX/XXXX. I am a brand new customer so there was no notice given to anyone ( even up until now ). Customers are just loading their cards with their hard earned pay from work and unable to use them. 
The company could not provided an estimated time for fix. They told me just be patient and wait. This is ALL the money I have to my name because it came straight from my payroll. I have a XXXX XXXX XXXX that I cant feed, I cant buy gas and I cant pay my light bill. 
I asked for someone to transfer the funds to as different card. They keep saying someone will call me by end of day. Were on day XXXX that Ive heard nothing. Ive called into customer service several times since and now they are just giving out the same script. The agent told me well theres other callers in the queue waiting to complain about the same problem so XXXX have to disconnect this call. This is completely absurd!!! My HARD EARNED MONEY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Fee Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined Our investigation of your dispute is complete. 

Unfortunately, we must turn down your request for credit based on the information we gathered. 

*Visa requires specific information from the cardholder in order for the bank to file a dispute. Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. 

* A notation may appear on your next billing statement advising you that the amount of your dispute is not required for payment. This notice will be removed after the statement period closes, unless you have another dispute open or under review. Waiting until the statement closes ensures that you will not be charged any finance charges or fees on the disputed transaction while under investigation. 
If we temporarily credited your account while we investigated your dispute, we will remove this credit by re-charging your account. 

You will be financially responsible for the transaction, and your dispute is now closed. 

If you still feel you should get a refund, please work directly with the merchant. 
Questions about your dispute? 

Call us at XXXX Sun- Sat : XXXX XXXX XXXX XXXX XXXX  Central Time Fax Number XXXX Sincerely, Wells Fargo Claims Assistance Center Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Fee Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated We received your inquiry about a disputed transaction on your account. We appreciate your patience while we research your dispute and will let you know our findings as soon as our research is complete. Please send us any supporting documents you may have, such as those described below.

What you need to do 1. If you havent already sent these documents to us, please gather copies of documents related to the dispute, including but not limited to these examples : Letter detailing reason for the dispute Copy of invoice, sales or return receipt Copy of delivery or pick-up receipts Front and back copies of checks or bank statements 2. Send us the documents in any of the following ways : FAX : to XXXX Mail : to XXXX XXXX XXXX XXXX XXXX, IA XXXX E-Mail : to XXXX If you have questions, please call us at XXXX, Sun - Sat : XXXX XXXX XXXX XXXX XXXX  Central Time XXXX For customers with hearing or speech disabilities, we accept telecommunications relay service calls. 
Questions about your dispute? 

Call us at XXXX Sun - Sat : XXXX XXXX XXXX XXXX XXXX  Central Time Fax Number 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 2024-06-16 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: MI

Complaint narrative:
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 
-Please remove all non-account holding inquiries over 30 days old. 
-Please add a Promotional Suppression to my credit file.

-Please remove all accounts that are not METRO 2 COMPLIANCE Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX DL number : XXXX XXXX XXXX XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and to someone I trusted to do my credit repair from XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-16 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: NV

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-06-16 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and to someone I trusted to do my credit repair from XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-06-16 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and to someone I trusted to do my credit repair from XXXX. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-06-16 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: SC

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly UPDATE all information that is inaccurate, incomplete, or which can not be verified.

Under 15 U.S. Code 1666b ( a ), 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 ) is mailed or delivered to the consumer not later than 21 days before the payment due date.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one, even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be PROMPTLY updated/negated in its entirety. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be UPDATED immediately. 

Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX XXXX Account # : XXXX Account Status : Closed I have no knowledge of late payments because THERE ARE NONE and all 3 credit bureaus are showing different dates which again proves inaccuracy. 

I AM DEMANDING THAT THIS ACCOUNT BE UPDATED IMMEDIATELY TO PAID AS AGREED AND NEVER LATE. 

I HAVE SENT LETTERS TO ALL XXXX CREDIT BUREAUS MULTIPLE TIMES!!! ASKING THEM TO LOOK INTO THE PROBLEM AND CORRECT THE ISSUES THERE. THIS INACCURATE INFORMATION ON MY REPORT IS NOW HINDERING ME FROM PURCHASING A HOME AND GOING ABOUT MY LIFE AND IF IT IS NOT FIXED WITHIN THE NEXT WEEK I WILL BE TAKING THIS UP WITH MY ATTORNEY TO TAKE LEGAL ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ( BOA ) owes me {$6800.00} ( statement enclosed ) plus five years of interest. I closed all accounts with them in XXXX, confirmed again in XXXX yet they have fraudulent reports dated after that. Also, after reporting checks stolen, the bank cashed {$1700.00} worth of checks for thieves..attached. 
Initially, they returned the {$6800.00} back on a credit card, which I misunderstood as did a bank worker who told me to destroy the card. I did. ( statement enclosed ) The problem initially was that I did not comprehend that the minus sign ( - ) meant the money was on the card. 
After explaining this to more than 50 bank representatives, they claimed theyd send me a check. One swore Id get the money back via direct deposit I did not. The bank then sent me a statement showing a XXXX XXXX check # XXXX, but no check. I was told it said fraud because they did not know how to categorize it. 
When a XXXX XXXX at the Old XXXX XXXX XXXX in XXXX XXXX tried to find out why I never got that check they hung upon her. XXXX XXXX at that branch explained all the banks statements are fraudulent. And since there was no fraud, I cant have my own money back. 
Thus, instead of giving me my own money back, theyve stolen it and now have tried to extort more with false reports on my credit ( formerly excellent, now not ) and having many people call me demanding I pay. Ive spoken to their Fraud dept, their Collections dept, their Recovery deptall to no avail. When I went to the XXXX XXXX XXXX office two big guys were physically pushing an elderly gentleman out who was saying, but I have {$40000.00} in this bank. XXXX XXXX was with me. When a XXXX XXXX at the bank tried to get me my own money back, the department she reached hung up on her. I contacted their regional presidents office only to get a call from a nasty-mouthed woman saying just pay your bill. 
I closed all accounts with BOA in XXXX when they cashed {$1700.00} of my checks AFTER THEY WERE REPORTED STOLEN. My bank has been XXXX since then. However, when I was recently turned down for a home equity loan by XXXX for a reasonable rate, I was told I had bad credit and to look on XXXX. 
XXXX has reports that I owe Bank of America moneybut I do not. Yet the bank which owes me money is now trying to extort money from me with totally fraudulent reports on XXXX. The bank is unable to produce signed sales slips by me nor are they able to produce payees who, not only disagree that Ive ever purchased their services via BOA, but XXXX from XXXX would be happy to tell any judge or jury of his findingsthat Ive never charged their services through BOA anything.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: CA

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: STANDARD MORTGAGE CORPORATION
State: LA

Complaint narrative:
I caught XXXX twice during the month of XXXX. I was ill and unable to work ( self-employed ) and I was focused on healing. I forgot to make a payment in XXXX. I remmebered on XX/XX/XXXX and I made payment. It did not process in their system until XX/XX/XXXX. As a result it got reported on my credit report and I lost XXXX points. I am asking for relief and forgiveness because COVID-19 had me ill and unable to work. 

Have not been late for a payment in over a decade.

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