vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Since I opened this account on 2021 I never had issues to be served through call center, since a couple of months ago they are puting a lot of troubles to be " verified ''. 
I have the same phone number since I open the account, I receive the passcodes by phone call without any troubles to access my app, but when I call customer service they said that the system doesnt allow to proceed with that. So it means that the " system '' is too XXXX  that doesnt allow to read back the passcode, I cant guess what phone number or phone carries likes to the system 's bank. All the calls I was requested to send a utility bill and my passport and should wait at least XXXX hours to call back again to the bank. 
I cant do all of this process and bureaucracy due a non usefull verification system. 
The bank have many tools to verify me, like personal information, account information, when and where was opened the account, a recent transactions or even a callback to the number on file. Also can send a push notification to the mobile device registered. 
or also fix the issue that when i put the debit card number and my pin as always but the automated system doesnt recognize the information and because im not XXXX XXXX I dont have XXXX. 
Is not customers fault the phone verification failure because I get the codes. 
I need a solution for all of this troubles that the banks makes. 
Now I have my debit card locked, being impossible to unlocked or get a replacement card through the mobile app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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: TX

Complaint narrative:
Experian is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the charge offs reported are fraud, and said company had 4 days according to law to remove such items. Consumer is now requesting EXPERIAN to provide documentation used to determine charge offs are allowed to be reported to consumer 's report. Every debt is considered income because it is a security. According to the IRS PUBLICATION a charge off is considered income, so how is income being reported to my credit report? The companies listed filed a 1099-C which is also considered a security and yet this income is being reported to my credit report hindering my credit worthiness. EXPERIAN has 15 days to provide me with documentation stating charge offs are allowed to be reported on a consumer 's report, as well as the name of the person spoken to that verified these accounts. If EXPERIAN does not have documentation to prove otherwise, the accounts must be removed asap. Said company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX, XXXX XXXX. XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumer 's account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NTO CONSUMER 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX/XXXXXXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating I was declined credit. for foreclosure repossession collection action or judgement. I dont have foreclosure repossession collection action or judgement on my credit. But I never authorize for this company to run my credit. I have a security freeze on my credit. In XX/XX/2021 I was notify of fraudulent unemployment claim from my job, that someone applied for unemployment I filed a police report bcuz I was working and never applied police report number Is XXXX XXXX XXXXXXXX.

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 2024-03-19 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: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Last 4 of SSN - XXXX Case for card number ending in XXXX I got the case response and you guys are saying that the items ordered match my address. This isnt true. I live in a gated community and my unit has no designation. According to the attached paperwork, someone using another name ( XXXX XXXX XXXX had it go to a location in XXXX, VA with the address saying XXXX XXXX XXXX. I have no apartment. There is another part of the neighborhood that has apartments and is in XXXX. 

Please look again at the evidence presented. Someone clearly took my card near me and did this. 

Please see the attached. Also I have info from XXXX themselves who admitted fault. 

I do NOT live at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX. I live at XXXX XXXX XXXX, XXXX, VA XXXX. 
These are XXXX different areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account 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 non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX/XXXXXXXX I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating I was declined credit. for foreclosure repossession collection action or judgement. I dont have foreclosure repossession collection action or judgement on my credit. But I never authorize for this company to run my credit. I have a security freeze on my credit. In XX/XX/2021 I was notify of fraudulent unemployment claim from my job, that someone applied for unemployment I filed a police report bcuz I was working and never applied police report number Is XXXX XXXX XXXXXXXX.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ATG Credit, LLC
State: MI

Complaint narrative:
This seems to stem from a business account that I guaranteed and this debt collector never tried to collect from the business and no written communication was ever received. There was also no attempted to collect from me personally prior to putting a derogatory item on my credit report. This action by the debt collector has caused great financial harm to me because of the credit score impact and has prevented me from obtaining necessary financing. ATG credit ( debt collector ) has entered a derogatory item in collections which never appeared on my credit report previously as a balance, nor was ever reported as a late pay for the amount of {$2200.00}. I have repeatedly tried to contact them and they have been combative at best. XXXX XXXX ( of ATG Credit ) finally emailed documents to me but until XX/XX/2024 I had no idea what this was even for because I've never heard of ATG Credit before in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

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 XXXX  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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX a person from this company called from an unidentified XXXX California number XXXX and left a message on my phone attempting to get information on who is handling the affairs of my ex-husband XXXX XXXX. 

They again called from the same number on XX/XX/XXXX and identified themselves as : XXXX XXXX  Simm Associates XXXX XXXX XXXX, Delaware XXXX XXXX She stated she was requesting the information for the person handling the estate of my ex-husband XXXX XXXX. His date of death was XX/XX/XXXX, he was a resident of California. I told her no one handled the " estate '' as there wasn't one. There was never a probate case opened as there were no assets. She said someone handled the estate as there was XXXX XXXXXXXX XXXX XXXX etc. I explained that is not the case. There was no probate, no estate/assets, only debts. There were not even funds to pay XXXX XXXX for holding his XXXX. Her assumption that because there's a XXXX, someone is in charge, is misguided at best and, at worst, is a poor excuse to continue to harass people for information. 

However, regardless of the unfortunate details and lack of assets, this company is attempting to collect information outside of the statute of limitations for attempting to collect on the debts of a deceased person. I explained this to " XXXX XXXX '' and she claimed she is NOT outside the statute of limitations. She said she was not doing anything except trying to find the person in charge of his estate ( not trying to ultimately collect a debt I guess? ). i said again there is not a person " in charge '' and she insisted that there is. 

I am fairly certain these people are fully aware of the law and choose to harass people for information under the guise of " just trying to get information on the person handling the estate '' and try to skirt the law by claiming this is not an attempt to collect a debt. I am hoping you can help stop them from contacting ANY family members in the future. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
SoFi was contacted in XX/XX/XXXX to have the payment date changed. Stated that the payment date could not be changed until the account was current, made payment account was current called back to have payment date changed from the XXXX to the XXXX. Was told that request was filed to have payment date changed in accordance with SoFi policy. The following billing cycle SoFi began calling 3-4 times per day following the previous 21st payment date stating the payment was late this in violation of 47 C.F.R. 64.1200 ( a ) ( 3 ) ( iii ) as well as ( 15 U.S.C. 227 ( b ) ( 1 ) ( B ) ). Informed SoFi of violation they notated the account and stated it would be placed on the " Do Not Call List '' furthermore XXXX additional consecutive calls on the same day XX/XX/XXXX was placed to by " Autodialed '' that then connected to a live representative stated by representative for SoFi. Again requested to be placed on the " Do No Call List '' since the payment had been made and they had not processed the payment on their end. Spoke to the same representative for XXXX consecutive times requested for her to stop calling me the payment had been made and referenced the previous requests for XXXX billing cycles to have the payment date changed. On XX/XX/XXXX the payment date change had still not been processed, contacted XXXX following the payment processing on XXXX XX/XX/XXXX stated that the request has to be made from the customers portal which is contradictive of what every previous representative had said. Consistently representatives have refused to give their identifying information when requested which violates SoFi business policies. Only exception for quality service was provided by XXXXXXXX XXXX XXXX XXXX. All other representatives were spreading misinformation and not following appropriate laws, regulations and policies of state, federal, and/or FCC guidelines XXXX Now, I am being told to wait an additional 2-3 business days for one of their XXXX XXXX to contact me so that they can diagnose the issues with my account access to be able to process the change of payment date. At the time this is being written on XX/XX/XXXX XXXX business days will once again push into another billing cycle and this process will start all over again. 

The methods of SoFi 's collection policies are non-compliant, and violate multiple FCC, state and federal guidelines. Polices to process any customer request expect the process to take at least XXXX months if you are constantly on them and are making your payments at the same time otherwise they can not make any changes to your account. Continued violations after requested to not be contacted again. Calls have all been recorded and documented on their end as well as mine. All relevant information regarding representatives names have been documented as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.

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 2024-03-19 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: GA

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 Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Incorrect balance. And payment amounts

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 2024-03-19 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: Affirm Holdings, Inc
State: RI

Complaint narrative:
I have had a score of XXXX and up... .recently I had negative remarks and credit score drop significantly and inquired on XXXX site. 


saw two affirm accounts and disputed on XXXX as well as called affirm... .at first they told me I had no record with my social of having an account and when I said impossible as its on My credit report ... Representative was very unknowledgeable to the process. 

I called back a second time to be told they could not give me information on this account and after a long lengthy heated conversation of if I am the consumer and its on my credit report XXXX need information ..... 

again ... .another phone call I got this is a buy and pay later account and and the transaction was done in Arizona and I live in Rhode Island ... this is not my charge XXXX send an email that dispute was resolved and this debt is valid ... ..it is not valid ... .I have no affirm account and made no purchases at a retail store in Arizona ... ..please help XXXX .the delinquency is XXXX  my score ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
REPORTING ME TO THE CREDIT BUREAU AS DELIQUENT FOR 120 DAYS. I SET UP MY ACCOUNT ON A IN HOUSE ON A PAYMENT PLAN. SYNCHRONY WAS TRYING TO PULL THE MONEY FROM THE WRONG ACCOUNT, I CALL EVERY MONTH TO UP DATE MY ACCOUNT INFO BUT SYCHRONY BANK KEEPS REPORTING ME TO THE BUREAUS AS DELIQUENT. IT WAS NOT EXPLAINED TO ME THAT IF YOU SET UP A PAYMENT PLAN, AND YOUR ACCOUNT WAS NOT UP TO DATE, THAT THEY WILL STILL BE REPORTED YOU LATE IF YOU OWED A BALANCE. IT HAS NOW BEEN RESOLVED, SO SYCHRONY IS GOING TO UP DATE EVERYTHING ON THEIR END AND FILE A DISPUTE TO BRING ME CURRENT. I JUST NEED IT TO BE UPDATED ON ALL XXXX BUREAUS.

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 2024-03-19 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: NY

Complaint narrative:
I haven't applied for of given written permission to the bureaus to furnish this information. This is a violation of 15 USC 1681b. By reporting theseThey are reporting unauthorized fraudulent information willfully. This is theft of identity. In accordance to 15 USC 1681c-1 and 15 USC 1681 c-2 these need to be deleted and blocked. see attachments

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 2024-03-19 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: GA

Complaint narrative:
I disputed a late payment that was reported on my credit report. The account was from XXXX XXXX XXXX XXXX. It was late payment from XX/XX/2023. That account was on automatic payments and should not have been marked as late. I have disputed this and it was reaffirmed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
I disputed a late payment that was reported on my credit report. The account was from XXXX XXXX XXXX XXXX. It was late payment from XX/XX/2023. That account was on automatic payments and should not have been marked as late. I have disputed this and it was reaffirmed.

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