vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Since last year of 2023 this only account which is not reporting on XXXX, XXXX I've dispute certain information present on my credit report provided by Experian, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( 7 ), 15 U.S.C. 1681 ( e ), 15 U.S.C. 1681 ( b ) ( c ), and 18 U.S.C. 242. I request a thorough investigation into the discrepancies and the immediate correction of the inaccurate information. Upon reviewing my credit report obtained from Experian, I have identified several inaccuracies that are of significant concern. These inaccuracies are not only damaging to my creditworthiness but also constitute violations of federal laws designed to protect consumers ' rights and ensure the accuracy of credit reporting. Under 15 U.S.C. 1681i ( 7 ), Experian is required to conduct a reasonable reinvestigation of disputed items upon receipt of this dispute letter. Furthermore, the inclusion of inaccurate information, such as [ Dept Of Education XXXX ], violates 15 U.S.C. 1681 ( e ), which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer credit reports. Moreover, the inaccuracies on my credit report may also constitute violations of 18 U.S.C. 242, which prohibits deprivation of rights under color of law, as well as 15 U.S.C. 1681 ( b ) ( c ), which outlines the duties of consumer reporting agencies regarding the accuracy of consumer information. I am enclosing copies of documents that support my claims and aid in the investigation. I request that Experian conduct a thorough investigation into these matters as mandated by the FCRA and take the necessary steps to rectify the inaccuracies promptly. Additionally, please provide me with written notification of the results of the investigation and any actions taken as a result. Furthermore, as per federal law, I request an updated copy of my credit report reflecting the corrections made after the completion of the investigation. Failure to adhere to the FCRA 's requirements may result in further legal action, including but not limited to pursuing remedies available under the law. I expect a swift resolution and the accurate representation of my credit history

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 2024-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently disputed XXXXXXXX XXXX  account number XXXX in the amount of {$120.00} dollars through TransUnion. Transunion has came back with account Verified, but in my original complaint I stated that both TransUnion and XXXX has two different dollar amounts stating that I owe for the same account TransUnion is showing {$120.00} and XXXX is showing {$110.00}. very unacceptable and is a violation in accordance to FCRA. I've attached proof of in the CFPB portal. This would be my second time disputing this with TransUnion, I ask for a fair and thorough Investigation. 
Note : TransUnion has a balance of {$120.00} XXXX has a Balance of {$110.00} Pictures of that is in the CFPB Portal.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My identity was stolen to create a CashApp account, and I would like it to be closed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I AM A VICTIM OF FRAUD AND ABUSE, BECU 'S " FRAUD CENTER '' IS FRAMING ME FOR FRAUD, I ORIGINALLY VISITED BRANCH XX/XX/XXXX TO DISPUTE MULTIPLE MYSTERY TRANSACTIONS DEBITED FROM MY ACCOUNT. THE FOLLOWING DAY I CALLED THE BRANCH TO DISCUSS PAYMENT OPTIONS ON MY HELOC. IT WAS AGREED THAT I COULD SKIP A PAYMENT, THE NEXT DAY BECU STEALS XXXX $ FROM MY CHECKING ACCOUNT, THIS PUT MY FAMILY IN SERIOUS FINANCIAL DURESS, AND REQUIRED ME TO MISS WORK. I CALLED BECU AND ASKED TO HAVE THE PAYMENT REVERSED THIS TOOK A GOOD PART OF THE DAY, PASSING ME FROM PERSON TO PERSON TO PERSON, THEY REFUSED, CAUSING ME TO SEEK PREDATORY LENDING AND ACQUIRE A PAYDAY LOAN. I PULLED MY CREDIT REPORT AND FOUND BECU HAD BEEN CHANGING MY PAYMENT DATES XXXX XXXX AND BACK SO THEY COULD EMBEZZLE FUNDS. THEY DID THIS XXXX TO 4 TIMES A YEAR. I CALLED THEM OUT AND SENT THEM A LETTER, ASKING THEM TO PAY OFF MY HELOC LOAN OR I WOULD SUE THEM FOR XXXX XXXX DOLLARS. THIS WAS MORE THAN FAIR, CONSIDERING IVE ALREADY PAID BACK THE XXXX IN INTEREST PAYMENTS. THEY IGNORED MY REQUEST AND CONTINUED THE ABUSE, SUSPENDING MY HELOC CREDIT ON XX/XX/XXXX. THEN XX/XX/XXXX BECU WITHDRAWS {$830.00} FROM MY BUSINESS ACCOUNT USING A FRAUDULENT CHECK THAT DID NOT HAVE MY NAME OR ACCOUNT NUMBER ON IT. I CALLED, THEY OFFERED NO SOLUTION, WHEN I POINTED OUT THE CHECK DIDN'T HAVE MY ACCOUNT NUMBER THEY PUT ME ON HOLD, AND WITHDREW {$250.00} USING ANOTHER FRAUDULENT CHECK GUESS WHAT! THIS ONE DID HAVE MY ACCOUNT NUMBER THEY SOUNDED SO CONCERNED FOR ME THEN, THEY CLOSED MY ACCOUNT AND DEMANDED I COME TO THE BANK " URGENTLY '' TO HANDLE THIS ISSUE. THE BRANCH MANAGER STATED " YEA I CAN SEE THESE CHECKS CLEARLY ARE NOT YOURS WE JUST HAVE A PROCESS WE HAVE TO FOLLOW ''. LEAVING ME TO SUFFER WITH A CLOSED OVERDRAWN ACCOUNT W/FEES UNABLE TO RECEIVE FUNDS. I HAVE A DEVELOPMENTAL XXXX, THIS ONGOING ABUSE HAS CAUSED ME TREMENDOUS SUFFERING & I TRULY BELIEVE THIS IS WHY BECU IS CHOOSING TO DISCRIMINATE AGAINST ME THINKING NO ONE WILL BELIEVE THE KIND OF ABUSE THEY ARE CAPABLE OF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had stayed at a few hotels using the referral service XXXX XXXX. I paid had a confirmation and was set for my stay. Upon arrival the hotels refused lodging claiming I had to show proof of where I would be going next. I was also charged for these stays that were denied upon arrival. I reported this to Wells Fargo whose answer was to close my account because of the hotels fraudulent use of my debit card.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Employer issued paper payroll check in lieu of normal direct deposit due to a payroll processing issue. Deposited the check ( XXXX ) to my account via mobile banking app XX/XX/XXXX. Mobile banking app states during the deposit process that " Deposits made on a business day before XXXX will be processed and usually will be available to cover items ... that same day. Funds availability may be delayed ... to mitigate risk of error or fraud. '' The app does not state or show that there would be any hold attached to the check during the deposit process. Moblie deposit was successful, and a hold appeared after customer service business hours on XX/XX/XXXX, and the hold is through XX/XX/XXXX. 

On XX/XX/XXXX, it appeared that my electronic payments ( credit card, utilities, etc ) had cleared and the hold on my check deposit as " pending. '' As of XX/XX/XXXX, the hold caused a reversal of all of my electronic payments creating returned item fees for me to deal with from several different payments. Calling customer support, representative and supervisor said " there's nothing we can do, and there's nobody we can connect you with that can remove it. '' and essentially said my best course of action is to wait until the hold is cleared, They stated that if I called or visited my local branch manager, they could possibly 'do something. ' The problem here is that I work and live in California, and am unable to visit the branch where I opened my account in Alabama, and the nearest branch is Texas. 

Had I been informed immediately that the check would be held for more than a week, I would have gone to the bank that the payroll check was written from and cash it directly. 

I've had this account for more than 10 years and never deposited a bad check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
We entered into a new equity loan with XXXX XXXX XXXX XXXX XXXX. 
When it came time to make our first payment, we were told the loan had been sold and we could not make that payment. We had no account numbers, loan information etc. ( i.e we never received the necessary information to make our first payment ). 
We awaited this information. 

My husband eventually made contact with a company called Shellpoint and was told they had our loan and information for payment would be forthcoming. 

On XX/XX/XXXX, we received a statement with the long awaited account information and it stated that we were already in arrears and that a payment would be due XX/XX/XXXX for XXXX payments. 

My issue is that having never received any contact from this company or payment information we can not already be behind. This is unacceptable. We could not have paid them sooner because we had no account information. 

We should owe them ONE PAYMENTS on XX/XX/XXXX, not XXXX Our statement says that we owe XXXX, with two overdue payments of XXXX, for a total due of XXXX, XXXX. We will incur late fees for not paying this, which will impact our impeccable credit score.

I do not think this is acceptable given that we could make no payments during this time.

This should be reset to owing one payment at this time, now that we have the account information. I would like assistance in resolving this as multiple contacts to this company have proven to be unsuccesful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
As per our mortgage agreement with PenFed, it is the fiduciary responsibility of our mortgage servicer to properly accrue and submit tax payments on our behalf. Penfed and their partner XXXX were deficient in this responsibility which resulted in an escrow account underage. 

We contacted PenFed in XXXX to alert them to an error we identified with our escrow withholding. This was not a timing issue, but an error. PenFed did not correct this error which resulted in an escrow account balance underage that we continue to be asked to cover. 

When we brought this error to PenFeds attention in XXXX, it was their responsibility to investigate and correct. In XXXX, Penfed insisted that their calculation was correct and our concerns were baseless. As the concern we raised ultimately was validated, it appears that PenFed and XXXX failed in their responsibility to properly investigate our account, or the investigation was inadequate. 

Our concern was proven valid after PenFed stated the withholding was accurate. This is evidence that PenFeds conclusion of the underage being caused by a timing issue resulted from an inadequately performed or not performed investigation. 

To state it clearly, this was an error by PenFed and/or XXXX. They failed to properly investigate the concern when it was brought to their attention in XXXX which only compounded the error. The issue could have been remediated in XXXX when it was initially brought to their attention, but instead is still impacting our payments in XXXX. 

In XXXX, XXXX we were again alerted to an escrow shortfall that we are being asked to cover.

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 2024-04-16 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 viewed my credit report and noticed that there are incorrect accounts.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX Bank of America charged my credit card auto pay twice. 
BofA didnt follow the rules applied the over payment as the credit refund to me. 
Until recently, I found theses mistakes of BofA and asked refund the overpayment. 
BofA only refund the XX/XX/XXXX negative balance to me but the others they said that was made outside of the current billing period they refused refund to me. 
I think thats my money BofA cant occupy it. Its the mistake they made.

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 2024-04-16 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: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Tried to send my crypto from Robinhood, but they needed to verify my identity. ( Probably should have done that years ago ). Their XXXX  XXXX  couldnt verify for some reason so I asked for a human to review my ID and get it fixed ( instead of their XXXX program ). I asked for them to stop holding my money hostage days ago to no avail. I have followed up 3 times and requested a manager call just to get hung up on, lied to, and strung along. No one has even given me an XXXX yet! They are holding my money hostage and costing me. This is not the first time either, they are constantly doing shady stuff holding their customers money hostage. Look what happened with the XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

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

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