vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: SC

Complaint narrative:
This company is saying I owe them {$400.00} for a debt opened on XXXX XXXX. I have no idea what this company is talking about. I havent opened any new accounts this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-10-01 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: PA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
On Saturday XX/XX/year> I made a mobile deposit with a check from the United States treasury. ( That is my daughters XXXX with both her name and my name, as well as both of our names on the checking account. ) I reached out to customer service to speak with a supervisor to ask some questions about the mobile deposit and was told I would have to wait 5 to 10 business days to get a call back from a supervisor. At XXXX Axos sent an email stating that the check was rejected. And now Im not able to cash it at the check cashing because in the back of the check I was told I had to write for mobile deposit only. So I was told by the check cashing place that I have to wait another 7 business days. Then Axos sends me a message on the Axos app at XXXX stating that the check was accepted, but I checked my account and there is absolutely nothing pending. And there has yet to be a supervisor to give me a call back to confirm or assist in the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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 submitted disputes to TransUnion, XXXX, and XXXX regarding incorrect information listed on my credit report. I provided a detailed list of the accounts and outlined the violations affecting my consumer report. Over 30 days have passed, and there has been no response. Enclosed are copies of the letters sent.

The company is in breach of FCRA 623 ( a ) ( b ) for failing to mark the disputed account as such.

They have also violated FCRA 605 ( c ) by inaccurately reporting the date of last activity, which should show the last payment date.

Furthermore, the company has not validated this collection account, which constitutes a violation of FDCPA 809 ( b ), as interpreted by the FTC.

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 2024-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted disputes to XXXX, XXXX, and Experian regarding incorrect information listed on my credit report. I provided a detailed list of the accounts and outlined the violations affecting my consumer report. Over 30 days have passed, and there has been no response. Enclosed are copies of the letters sent.

The company is in breach of FCRA 623 ( a ) ( b ) for failing to mark the disputed account as such.

They have also violated FCRA 605 ( c ) by inaccurately reporting the date of last activity, which should show the last payment date. 
Furthermore, the company has not validated this collection account, which constitutes a violation of FDCPA 809 ( b ), as interpreted by the FTC.

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 2024-10-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
This is a follow up to complaint XXXX, which was not resolved satisfactorily by Marcus.

I am appalled by Marcus ' cavalier response to my complaint : They have credited my account with a mere {$25.00} when my loss from the freeze on my account and the failed wire transfer is {$410.00}, as detailed in my original complaint. This is entirely unacceptable. Marcus have claimed that they identified " security concerns '' with my savings account, which led them to freeze the account. However, despite numerous requests over the phone between XX/XX/XXXX and XX/XX/XXXX, and in their written response of XX/XX/XXXX, they have failed to provide more detail on what exactly these " security concerns '' were. How is it that funds coming from my own XXXX XXXX account, a platform that is owned and operated by the XXXX government, into my own savings account at Marcus, raised concerns serious enough to warrant freezing my account without explanation for 11 days? The same movement of funds has occurred on multiple prior occasions without a hiccup. Marcus ' claim in their XX/XX/XXXX response that they attempted to contact me during the " transfer processing review '' is patently false. I did not miss any calls from Marcus. My phone log, which I am willing to provide as evidence, shows no missed calls from Marcus. My phone number ending in XXXX is listed as my contact number on file with Marcus. Marcus did not contact me by email or physical mail either. By their own admission in their XX/XX/XXXX response, Marcus ' customer service representatives are incompetent : They repeatedly asked me to transfer the funds in question back to my " account '' at XXXX XXXXt. They refused to understand that this was impossible because XXXX  XXXX is not a bank. They were insistent that the only other way for me to access the funds was via a check that would take up to two weeks to be issued. Contrary to Marcus ' XX/XX/XXXX response, the bank never advised me that the funds could be sent to an additional account. This entire experience has been very frustrating and a big waste of my time. Marcus ' operational shortcomings, procedural inadequacies and blithe disregard for customer service have saddled me with a {$410.00} loss, which I am not willing to bear. I request the CFPB to kindly intercede on my behalf and direct Marcus to credit my account with the remaining {$380.00} which Marcus has yet to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of an account listed as " ALLY CREDIT CARD '' on my XXXX credit report, reported on XX/XX/year>. Although the outstanding balance for this account is now {$0.00} and the status indicates " Transfer, Paid, Sold, '' the payment status continues to show as " Charge-off. '' Under the Fair Credit Reporting Act ( FCRA ) Section 611, I request an immediate investigation and correction of this information. Furthermore, according to FCRA Section 623, the data furnisher has a duty to ensure that all information reported is accurate and up-to-date. The continued listing of this account as a charge-off payment status is misleading and does not accurately reflect its current status as closed with a {$0.00} balance. Additionally, under FCRA Section 609, I am entitled to access and verify all information contained in my credit report, which supports my claim of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: RI

Complaint narrative:
EdFinancial Services stopped crediting my account for payments it received since XXXX of this year. I've done everything they requested to prove that the payments have been sent, and accepted by EdFinancial, but they have not corrected my account. I've tried calling, emailing, chatting with their customer service reps, but apparently, they are unable to tell me when they will correct this issue. They are reporting my account as 60+ days delinquent to credit reporting agencies, despite continuing to accept payments that they don't credit to my account. When I first became aware of the problem, EdFinancial had accepted {$1200.00} without applying it to my balance. Ive continued to make payments, so the amount of lost funds is now greater. My bank has verified that the payments are being electronically sent to the correct account and address. I've provided this proof to EdFinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-01 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I own a XXXX XXXX and have a XXXX  checking and savings account with Truist. On XX/XX/XXXX, I completed and delivered a job for a customer and he paid me with a business check for {$1500.00} with XXXX XXXX XXXXXXXX that he has had for many years. I signed on to Truist mobile, endorsed and wrote on the back of the check exactly as stated, and deposited the check into my business checking account. Immediately Truist locked my account and stated there was fraud and my funds would not be available for 10 days. 10 days arrived and the funds are available in the account. As a side note, my customer sent me a screenshot that the funds were taken from his account that night that I made the mobile deposit. The money is sitting in the account but I can not use it because Truist has locked it due to " fraud '' and said it needs to be reviewed by someone but can not say when it will be reviewed or when I will be able to access my money. I asked to close the account and they said they can not do anything at all with the account until someone reviews it and also they can not reach this person or even know who it is. It has been XXXX weeks since I have deposited the check and I have nothing to show for it and Truist is refusing to clear the matter up or even give me any type of time line as to when it would be resolved. All they do is take notes each time I call and say they are " escalating '' the matter.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally request a full investigation and validation of the derogatory items listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit file, and I expect these items to be verified in full compliance with the law, specifically 15 U.S. Code 1681s2, which mandates that furnishers report accurate information to credit reporting agencies. 

Please validate the following accounts : 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 XXXXXXXX I request that you provide the following details for each account : Date Opened Date of Last Payment Date Reported Date Closed Account Status Balance

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 2024-10-01 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: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was a victim of fraud. Wells Fargo overdrafted my savings account after a fraudulent charge depleted my checking account allowing {$520.00} to be taken out of my account. I was told since I disputed the charges it would drop off and the funds would be put back into my account but that did not happen. The charges were for {$230.00} and {$280.00} both unauthorized and leaving my account empty. It is now 4 days later and the XXXX business day and Wells Fargo is treating me like a criminal they will not give me a conditional credit and MY XXXX is due today XX/XX/XXXX. The bank offered me no resolution and pretty much told me it showed face to face so they cant help, although my card is still in my possession. I am very upset that a bank I trusted to put my money into would treat me like a criminal and not assist me

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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