vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-26 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

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 2024-04-27 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: AZ

Complaint narrative:
I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.

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 2024-04-26 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: IL

Complaint narrative:
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 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 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 2024-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We ( XXXX XXXX ) opened a Citi business account and deposited via wire {$61000.00}. 

One week after the deposit, CITI sent us automatic closure letter of 60 days. 

- no detail of why they are holding our funds and closing the account. 
- no guarantee of timeline for resolution. 

Our business requires constant cash flow and we need to pay employees. They restricted our account and will not let us use the funds, nor will they agree to let us recall the wire for {$61000.00} to our old bank and terminate our Citi relationship. 

After contacting numerous departments within the bank and visiting branches 7 times, here are numerous issues : - Different departments tell completely different answers to clients. Fraud department told us that a wire recall is possible and we would receive the funds. Then wire department told us a completely different story days later stating it can not be done because the account is restricted. 

- Back office gives transfer to other departments, only for the new department to transfer you back. Their employees have no idea who is responsible for what inside their internal team, and seem to just resort to pushing clients around until they give up. 


Citi is holding our funds for no reason and refuses to let us bank. It is affecting our operations, our incoming investments, ( we are raising a seed series and our investors are uncomfortable with the situation ) and affecting our financial stack because other tools we use for accounting and payroll need a connected bank account with funds in it. 


We will be taking legal action against Citi for these damages and a total lack of accountability from their internal team.

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 2024-04-27 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: AL

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2024-04-27 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: IL

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the listed accounts contain inaccuracies in their reporting. I am entitled to {$1000.00} for each erroneously reported item on my credit file.

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 2024-04-26 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: IL

Complaint narrative:
I am reaching out to challenge the presence of this bankruptcy on my credit report. It's troubling because I have a court letter explicitly stating it shouldn't be reported to you. Moreover, the involvement of an unauthorized third party makes this situation even more absurd.

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 2024-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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: AZ

Complaint narrative:
I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.

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 2024-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I reported a fraudulent activity on my account and SoFi bank restricted access to my account. To regain access, I have to verify my identity. To do this, I call the number provided by SoFi and am told they will send a text message with a link inside. Once clicking the link I will verify my identity using my phone camera and my ID. The problem is that the text message does not ever come. We have tried to do this multiple times and have used other phone numbers. The texts are not being sent to the spam or trash folder. They just aren't coming. When we ask for another way to verify the account, we are told that this is the only way. They have not offered any other way to resolve this and when we call we go through the same process every time. Other banks provide multiple ways to verify your identity- surely a sophisticated company like SoFi can manage to help a customer access their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
My payments are not being credited properly, I dont see them reflecting on the website and I have proof, I was also told that they would settle this for around XXXX but then told something different recently by another rep asking me to pay {$14000.00} which is more more than I borrowed given all the payments I have made. Please forgive the loan completely as I am tired of dealing with this company and paying this high interest loan which at this point they are just making a profit. I have had many issues with this company and their reps giving false and misleading information which I am now looking into getting legal counsel for potential lawsuit because of this and I have recorded calls as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-26 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I receive a letter on XX/XX/XXXX XXXX XXXX charging me for late fees. 

I called XXXX on XX/XX/XXXX they said I don't have an account with them. 

XX/XX/XXXX receive a letter Credit Card Collections Service is is charging {$250.00} behalf for XXXX. 

I called XXXX XX/XX/XXXX then couldn't find a resolution. I was told the billing company will try to get a hold of me in a few days. I did not receive a call so I called XXXX again XX/XX/XXXX and they found an account with my Father 's name and its about XXXX XXXX XXXX. Me and my father never use XXXX XXXX XXXX. XXXX said they forwars this message to there other department in 24 hours again I did not hear anything back. I again called XX/XX/XXXX XXXX and they said they couldn't do anything about it and contact debt services. I tried calling debt services and I was told To call back XXXX. 

This matter is not resolve.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Dear CFPB, I am writing to file a complaint against American Express regarding a serious issue where my accounts were mistakenly linked with another customer 's account, resulting in my financial assets being redeemed by someone else and denial of new account applications. Despite multiple attempts to resolve this, American Express has failed to correct the error.

The key details are as follows : ( 1 ) I have only had two Amex credit card accounts active since XXXX, which I will refer to as Account A and Account B. These are the only two Amex accounts associated with my SSN that have ever appeared on my credit report since XXXX. 

( 2 ) In XXXX, I discovered that over XXXX of my AmEx Membership Rewards points ( worth over {$1000.00} ) had been redeemed through an account I did not recognize ( let 's call it Account C ).

( 3 ) AmEx initially claimed Account C was linked to my profile, admitted their mistake in linking it incorrectly, unlinked it, and returned my redeemed points. I thought the issue was resolved. 

( 4 ) In XX/XX/XXXX, when I applied for the AmEx XXXX card, my application was rejected due to AmEx 's record showing a returned payment in the past 30 days associated with Account C.

( 5 ) Despite providing evidence that I only have legitimate Accounts A and B in my name and SSN with no missed payments, Amex has refused to permanently correct their records. I have received a letter from their fraud department rejecting my claim under the mistaken belief that I am liable for Account C simply because it was ( incorrectly ) linked to my profile previously. 

This error by Amex has put my financial standing at risk through no fault of my own and continues to impact my ability to access their products and services. I have made numerous attempts to resolve this internally, but Amex is unwilling to fully rectify the situation. 

As evidence, I can provide my credit reports showing only Accounts A and B belonging to me, the rejection letter citing returned payment, point activities ( as proof that my rewards were redeemed through Account C ), and Amex 's letter rejecting my claim.

I am hoping the CFPB can intervene and compel Amex to permanently decouple Account C from my profile to prevent any further negative impacts. This linking error is unacceptable and Amex 's lack of action to fully resolve it is concerning.

Thank you for your attention to this matter. Please let me know if you require any additional details or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-27 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Good day I am submitting this CFPB Complaint today to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Experian, XXXX and XXXX Credit Bureaus will remove and block these specified remaining inquiries as a result of the alleged identity theft the Inquries are bellow : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided insome of them. Since I seen these Unverified inquiries I have filed A Identity theft report with the FTC. Which is also attached to todays complaint.. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B.

Thank you. 
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 2024-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be 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 non-monetary relief
Consumer complaint received 2024-04-27 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: PA

Complaint narrative:
I have always ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be 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 non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I filled out a loan application on XX/XX/year>, and received a letter denying the loan on XX/XX/year>. Discovered on XX/XX/year>, the loan was approved on XX/XX/year> ( by several bank representatives and 2 parties at XXXX XXXX ) and funds were sent to XXXX XXXX XXXX Sales on that date. This was after I called numerous times to inquire about this loan and it was nonexistant in BMO system until XX/XX/year>. After submitting a complaint with CFPB, the bank representative claimed the loan was funded on XX/XX/year> and I received copies of an online application with one price of {$87000.00}, with {$9000.00} down and another loan document with a balance of XXXX, with {$11000.00} down. These numbers on the loan document were not entered when a signature was unethical obtained. To date, I am unsure as to the amount of the loan, as I have been informed of " no loan is in the system " to {$100000.00}. I have yet to receive any documents, other than those listed, to date. 
I have also not received any correspondence from BMO bank claiming I was approved for any loan. According to the CFPB ( XXXX ( a ) ( 1 ) Timing of notice ) regulation, BMO Bank is required to send notice within 30 days of decision. The only decision that I received confirmation of, was the denial dated 4 days after I sent in the loan application.

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 2024-04-27 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: NJ

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXX/XX/XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XX/XX/2022

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 2024-04-27 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: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
The collection company first called me around XXXXXXXX XXXX  XXXX about a balance with XXXXXXXX XXXX XXXX XXXXXXXX. I explained that I didn't have a balance, the debt was paid in full. The agent replied that " it was for a different debt. '' The agent called a few more times, before XXXX XXXX, I stopped answering the calls. When I log into the XXXX XXXX XXXX, I don't have a balance. The hospital never sent me an account statement with an outstanding balance. I'm not sure how this account ended in collections, but I don't have a {$1500.00} outstanding balance. The collection put this derogatory remark on my credit report XXXXXXXX XXXX XXXXXXXX. My XXXX has dropped as a result.

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