vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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:
XXXX, Experian, & XXXX continue to report a late payment on the account XXXX XXXX Account # : XXXX. The consumer agencies has provided me with no evidence that proves that I was indeed late XX/XX/2023. Provide me with the evidence that proves this or update my consumer report to reflect accurate information. 
( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My account was compromised by hackers who tried to deposit a fraudulent check into my XXXXXXXX XXXX account, which ultimately resulted into my SOFI account being restricted. I have funds in my checking account that I need access too as well as my bank account overall. Ive reached out to the company multiple occasions and they failed to provide any substantial help regarding this issue. They informed me that my account was being closed in late XXXX XXXX, but yet its still accessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-05-14 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:
On XX/XX/XXXXXXXX XXXX I received an alert from my Experian credit monitoring service date XX/XX/XXXX, XXXX that inform me that a new trade line has been open in my behalf. The name of the company is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this company is and when I attempted to contact them at XXXX the representative informed to contact the credit bureaus and they can not do anything about. I even ask if they had a fraud department and they said no! I know there a breach with XXXX XXXX XXXX XXXX and possible my information could've expose. I would like for this account to be remove from my 3 major credit bureau agencies asap!

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 2024-05-14 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: IL

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 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 2024-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Metacorp LLC
State: CO

Complaint narrative:
I lent money from XXXX XXXX and then hired XXXX XXXX XXXX, a payday loan debt management company, to help manage my payday loan debt. XXXX XXXX XXXX and I both sent XXXX XXXX a cease and desist order. So what XXXX XXXX did to get around that was to sell the debt to MetaCorp, LLC, who hired a skip tracer, XXXX XXXX to find me who violated that cease and desist order in reference to the regulations for skip tracing/private investigation set forth by Colorado XXXX XXXX XXXX XXXX XXXX XXXX I contacted the XXXX XXXX XXXX about XXXX XXXX and they are now obeying the cease and desist order and have informed MetaCorp, LLC. I was informed a few months ago by XXXX XXXX XXXX XXXX XXXX XXXX that the debt was paid off. All in all, it seems that MetaCorp, LLC does not care about abiding by the legal cease and desist order. The XXXX XXXX XXXX  said the matter was resolved even though clearly it is not. The Consumer Protection Unit for Colorado Attorney General XXXX XXXX XXXX communicated it was your problem and not theirs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
In XXXX of XXXX I received a call from AMEX on evening and they questioned me if an attempted charge was valid ... ..company called XXXX XXXX. 
I said absolutely not valid. Amex said ok we will stop the charge and freeze that card and send you a new one. I said ok. 
A month later they put the charges for {$500.00} and {$1000.00} back on my account. That is {$1500.00}. 
I asked them why this happened and they never have an answer. 
I told them if you call the number on the charges it is disconnected. So stop putting these charges on my card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
IT is illegal to continue to report a tradeline that is not verified. unless the company can provide a signed application showing it was opended by the consumer the FCRA requires by law it is deleted. delete the tradeline immedietly. your previous response does not provide proof the account was opened by the consumer under the law a signed application is required

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened an online savings account on XXXX XXXX XXXX  and deposited XXXX $ on the same day. But on XXXX XXXX XXXX, I could not log in to my account by phone, they said Weve temporarily locked your account. Please call us to have it unlocked. 
So I immediately called them on XXXX XXXX XXXX, the agency said she could not reopened it and will send the check of XXXXXXXX XXXX in the next two weeks to my mail. But I didnt see anything and tried to call back on XXXX XX/XX/XXXX, the other agency said he doesnt know when they will transfer back my money and told me just to wait. Im so worry about the money because I just got XXXXXXXX XXXX XXXX no job and really need that money. But can not contact them to know how long they will send my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For the past three months, I have taken the initiative to escalate my issue by creating two separate accounts with the Consumer Financial Protection Bureau ( CFPB ) and submitting identical complaints to the same company in the hopes of expediting the resolution process. The crux of the matter revolves around an erroneous late payment notation on my Capital One account, which I firmly believe is inaccurate. Despite my efforts, which included providing numerous supporting documents to both the data furnisher and the creditor to demonstrate that I made payments on time, the issue remains unresolved. I am diligently seeking a resolution to this problem and sincerely hope that this current complaint will be the final one I need to submit in order to rectify the situation and clear my record of any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened an account with Citibank on XX/XX/2024, a checking account, I initially funded the account with {$6000.00} over the next couple of weeks. On XX/XX/2024, I sent, via a wire transfer, the sum of {$320000.00} from my account with XXXX XXXX. The account at XXXX XXXX was in my name alone and those funds were part of a larger transfer from XXXX XXXX and the sale of certain stocks. 

On XX/XX/XXXX, I attempted a wire transfer of {$50000.00} to a bank in XXXX XXXX, with whom I had an account in my name only and with whom I had done multiple prior transactions. The wire transfer was done online in accordance with online directions of Citibank. And I had verified that Citibank had received my wired funds. 

On XX/XX/XXXX, Citibank cancelled the wire transfer and placed a hold on my entire account of {$330000.00}. I have made numerous contacts with Citibank, including multiple phone calls and personal visits to Citibank branches. I have been told that when I get my ATM card, the matter will be resolved. I have been told that check is in the mail and then, later I was told that the check is not in the mail, and it may take 60 to 90 days before the funds will be released. I have received letters that say that all I need to do is " verify recent activity '' and " confirm that all recent activity has been authorized, and we can only do this by speaking with you directly ''. The letter further states the " We have placed your account in a restricted status ... until we speak with you. '' As indicated, I have called multiple times and they do not know what to ask or what information they need. I have attempted to provide as much information as possible. They can not or refuse to tell me why my account is blocked and keep referring to the " Back Office ''. But they will allow me to speak to anyone in the " back office ''. 

They now have a hold on my funds for almost three weeks with no explanation, even though, in writing they say to call, and they will resolve the issue. 

I have asked Citibank to close my account and to immediately return my funds. They are withholding my funds without my permission, and they refuse to explain why. There has never been a fraud committed and I have offered to provide any information they need. Thy admit that they have possession of my funds including the sending me a bank statement showing they have possession. They simply refuse to give me my money of {$330000.00} back and refuse to provide a reason.

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 2024-05-14 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: MN

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
EASTERN ACCOUNT SYSTEM is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the Consumer Credit Reporting Act which clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XX/XX/XXXX I had them deleted over 3 times and I've lost count after that. Dates are XX/XX/XXXXXXXX XXXX XXXX, etc. I have been denied several apartments, credit cards, and jobs due to this constant reporting. 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. 15 U.S.C 6802 states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. EASTERN ACCOUNT SYSTEM violates UCC 9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, payment intangibles, or promissory notes which is for collection only. The original creditor is XXXX XXXX XXXX  which provided an account breakdown and discharged write-off date of XX/XX/XXXX. EASTERN ACCOUNT SYSTEM is to provide the direct contract in which they are authorized to request a payment and NOT a debt collector in which whom bought a debt. If you verify this inaccuracy for the credit bureaus without providing me with all of the said listed items you violate the law, which carries a fine of { {$1000.00} } per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Cease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-308.4 Alleged Creditor : CAVALRY PORTFOLIO SERVICE LLC Alleged Account : XXXX Alleged Amount : {$5600.00} See the full letter in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to dispute the validity of the debt listed on my credit reports with TransUnion, XXXX, and XXXX, under the account number XXXX, which is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ( a ) ( 2 ) ), I am demanding that you provide me with the name of the original creditor associated with this account.

Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt, along with a detailed breakdown of how this amount was calculated. Please be advised that this request is solely for the purpose of verifying the accuracy of the debt amount as mandated by law.

I am aware of my rights under the Fair Credit Reporting Act ( 15 USC 1681b ), the Fair Credit Billing Act ( 15 USC 1666b ), and the Consumer Financial Protection Bureaus regulations ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ), as well as the Fair Debt Collection Practices Act ( 15 USC 1692c, d, e ). 

I expect your prompt attention to this matter and request that you provide the requested information within the statutory timeframe of thirty days. Failure to validate the debt within this period will result in the removal of this item from my credit report, as required by law. 

Please take immediate action to resolve this dispute and provide the necessary documentation to support the validity of this debt. 

Sincerely,

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 2024-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a judgment that I didnt even know about until it was on my credit reports. I have disputed the transaction with all 3 major credit bureaus and the have refused to remove the judgment from credit file. I also wrote the attorney and they never responded to my letter and have not removed the judgment from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: GA

Complaint narrative:
I was looking into buying a car so I looked at my credit report and seen that I had damages on my report that I didnt do.

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 2024-05-14 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 was looking into buying a car so I looked at my credit report and seen that I had damages on my report that I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
My payment didnt go through on a {$30.00} payment to affirm and after I was notified multiple times daily of it in the week following the due date by email, text, and phone calls, I scheduled payment for the following week for the full balance of the debt ( the one missed payment plus the several payments that would follow ). Every day since scheduling the payment Ive continued to receive the same amount of phone calls, texts, and emails demanding payment. I called Affirm to try to get the communication to stop and the person on the line told me I needed to manage my debt which is why I would continue to receive the messages. He referred me to the terms of the loan as the excuse for the repeated demands, ignoring that I have already scheduled payment for the full amount just two days from now. This lender refused to stop the harassment, claiming its not harassment because its from an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Please remove these inquiries. I don't have any knowledge regarding this, and the company did it without my consent.

Company response to consumer: Closed with explanation