vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


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


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


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: CA

Complaint narrative:
I noticed that there are unauthorized inquiries. Help me with that

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 2024-07-24 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: CA

Complaint narrative:
I noticed that there are unauthorized inquiries. Help me with that

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 2024-07-24 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: SC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
My Robinhood got randomly locked with all my savings in it I cant sell stock buy stock or withdraw my funds OR EVEN TRANSFER MY STOCK TO ANDIFFERENT BROKER. No reason provided by Robinhood as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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:
I am writing to request the removal of the XXXX Credit Card entry from my credit report due to identity theft. I have been a victim of identity theft, and under the Fair Credit Reporting Act ( FCRA ), it is imperative that inaccurate information resulting from identity theft is promptly removed. The presence of this entry on my credit report violates my rights as per the FCRA, and I request your immediate action in rectifying this issue.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request the removal of the XXXX Credit Card entry from my credit report due to identity theft. I have been a victim of identity theft, and under the Fair Credit Reporting Act ( FCRA ), it is imperative that inaccurate information resulting from identity theft is promptly removed. The presence of this entry on my credit report violates my rights as per the FCRA, and I request your immediate action in rectifying this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Inquiries not authorized need to be removed. 

XX/XX/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 2024-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: DC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I applied for an Apple Card Mastercard ( general use credit card ) offered through Goldman Sachs in approx mid XX/XX/XXXX. The card had a promotional offer of {$200.00} after spending {$2000.00} within 90 days of opening. I spent {$2000.00} within 1 month and paid the statement balance in full. The promotion was a pre-approved offer available through XXXX XXXX that partners with Goldman Sachs/Apple . 
In XXXX, I'd not received the bonus and contacted XXXX XXXX XXXX XXXX to inquire on the missing promotional offer. I provided the rep a screenshot of the offer and she confirmed she saw the offer in my history, yet it remained unfulfilled. There was a ticket created to research. 
On XX/XX/XXXX, I received an email stating they needed screenshots, I advised via phone call to Goldman Sachs/Apple that I'd already done that and was told they'd need to reopen a new ticket and wait another 7-10 days for any reply. I asked to file a formal complaint with Goldman Sachs/Apple as I'd already taken that step and completed all of the steps necessary to receive the stated {$200.00} bonus. The rep ( XXXX XXXX completed the complaint, advised that she could not provide a reference # and could not tell me when I could expect to hear back from Goldman Sachs/Apple . I advised I'd file a complaint with the CFPB, she stated she was unfamiliar with the CFPB organization. I explained the purpose of CFPB as a government organization and that they exist to help protect consumers, especially against false advertisements and other unfair or deceptive practices, particularly in the banking industry. 
I also contacted XXXX XXXX on XX/XX/XXXX via chat function on their app and advised of the situation, they could not provide any screenshots further than what I already have. They also could not provide any statement showing that my offer was accepted and approved. They stated that all offers are based on algorithms and there is no way to reproduce something of the nature. They assured me that Goldman Sachs/Apple is a partner, that the offer is legitimate, and that it is owed by Goldman Sachs/Apple , not XXXX XXXX. 
I advised that I intended to file a CFPB complaint and the rep stated that he'd escalate my concerns and I'd be contacted by email. 
As of this posting on XX/XX/XXXX, there has been no further contact by Goldman Sachs/Apple XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Mr./Ms. XXXX XXXX XXXX XXXX XXXX Citibank , N.A . 
XXXX XXXX XXXX XXXX, KY XXXX Sent via XXXX XXXX Return Receipt Dear XXXX, I received your letter dated XX/XX/XXXX. This letter is a direct response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), copy enclosed for ease of reference. 

With reference to your letter, I would like to correct some facts for the record : Citibank claims in the XXXX  line of the letter ( XX/XX/XXXX ) that I opened an account in XXXX and was awarded a Platinum Select Card. For the record, I moved to the United States in XXXX and was not in a position to open an account with Citibank since, at that time, I was unemployed and was in the process of establishing the necessary residency paperwork. That being said, I did not open an account with Citibank nor was I in possession of any credit cards. 

Citibank claims that I owe a large debt on a Platinum Select Card ; however, I have never received any notice of this debt and I do not owe this debt. 

Citibanks attorney claims that I was served with a notice and that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I have never lived in XXXX XXXX, NJ, and I never been served since I have been a resident of the State of Virginia  for more than a decade. It appears that Citibank is aware that I do not live in New Jersey since your letter was addressed correctly to my Virginia address. 

It has come to my attention that Citibank may be pursuing garnishment of my wages for a debt that I am not responsible for and would seek legal counsel to protect my interest. 

Please correct your records accordingly and inform all Citibanks legal representatives of these errors. I would appreciate if you would inform me when this matter is resolved. 
Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: NJ

Complaint narrative:
My car loan with credit acceptance has been paid off.After speaking with credit acceptance over the phone they have verified that my loan is paid off and that the car was not repossessed.experian refuses to take the repossession off my credit report.This has been negatively impacting my credit score.The loan is XXXX percent paid off and the car was never repossessed.Insurance company paid for the car and the remaining balance was paid when the car was auctioned.

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 2024-07-24 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: FL

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: IL

Complaint narrative:
XX/XX/XXXX CFPB Complaint XXXX Issue has not been resolved Response to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have XXXX XXXX XXXX XXXX dated XX/XX/XXXX and disagree in several areas. 

In XXXX I became aware I was personally responsible for procuring XXXX XXXX XXXX for XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX. I promptly obtained XXXX XXXX XXXX XXXX XX/XX/XXXX. Attached are the XXXX declaration pages for XXXX and XXXX ( XXXX  XXXX ). I had flood insurance in place and uploaded this insurance info to www.mycoverageinfo.com. I have always been in compliance with flood insurance requirements. 

Loancare website shows I currently owe {$1200.00} for XX/XX/XXXX as of today XX/XX/XXXX ( XXXX  XXXX ). I dont agree with their accounting. My XX/XX/XXXX mortgage payment, like every mortgage payment to Loancare since they became the servicer, was made electronically by XXXX XXXX. Attached ( XXXX  XXXX ) is confirmation from XXXX XXXX  that the payment in the amount of {$1200.00} on XX/XX/XXXX. 

I am an accountant and manage my finances with XXXX. Attached ( XXXX  XXXX ) is a report showing every payment I made to Loancare since XX/XX/XXXX. Per my records, my account is current and paid in full through XX/XX/XXXX. Should Loancare take exception to any of the payments shown on the report, please advise and I will obtain documentation from XXXX XXXX  that the payment was made. 

XXXX XXXX advised that Loancare refunded me {$510.00} via a mailed check. My position is I am not due a refund ; I will not cash the check. Please cancel the check and apply it to my account. I ask that Loancare Audit my account to validate all my payments, since XX/XX/XXXX, were applied currently. Ive paid every mortgage payment on time and can prove it with documentation from XXXX XXXX. 

XXXX XXXX also states that We regret to an oversight. I take exception that there was any oversight in this matter. Prior to filing this complaint with the CFPB, I attempted to resolve this matter directly with Loancare Customer Service. I was advised that the Customer Service person could not open a case to investigate this matter. She directed me to email XXXX which I did without any resolution. 

From my viewpoint, Loancare doesnt provide enough training and resources to sufficiently manage the loans, they have a fiduciary reasonability to manage. Loancares inability to resolve this matter in a timely manner, and falsely reporting delinquency to the credit bureaus has damaged both my and my wifes financial reputation.

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 2024-07-24 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 submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all XXXX  credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I received a alert on my credit and reached out to the company and was told this debt was mine and I need to pay it as I have never had a account with XXXX they told me they purchased the debt. 

I asked for the address and it was not associated with my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Sent message on XX/XX/year> because interest rate is not set at correct amount. Company responded that my interest rate should be lower because it is set on autopay. Sent another message on XX/XX/year> because interest rate has still not been updated to correct amount. Payments will be starting XX/XX/year>. Loans have been accruing interest with incorrect interest amount. This needs to be updated to the correct interest amount ASAP with all interest accrued with incorrect interest credited back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation