vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-13 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: CA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this 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 2024-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Originally I had a balance with XXXX the account was opened on XXXX of XXXX. By XXXX of XXXX the card was maxed out and I didn't pay on it. The balance was XXXX dollars that was unpaid. They made no attempts to contact me for years. Then all of a sudden this collection agency LVMVNFUNDG started sending me correspondence in XXXX of XXXX about this ancient balance. 

I told them it was out of date and disputed the balance with XXXX. XXXX denied my request for what reason I don't know. Eventually they sent it to a lawyer and I put it on a payment plan. I paid it off today. 

Now I can't get a lease because LVMVNFUNDG is showing that I missed payments on their 'account ' in XXXX and XXXX. The account wasn't even from XXXX. The account was delinquent in XXXX of XXXX. 

These late payments should not appear on my credit for XXXX and XXXX for an ancient debt. These collection agencies can just do whatever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I applied for a XXXX payment with no interest for a TV system at Best Buy for {$61000.00}, but Citi only approved {$4000.00}. Then, they sent me an email saying that because I applied twice, I was disqualified.

I don't understand unless it was the account from over XXXX years ago, and Best Buy support that helped me with the application was told that.

I have a credit score of XXXX, and no reason to be denied the credit. 
It must be that I will be XXXX next month. 

I tried calling Citi but just got connected to an automated system. 

XXXX XXXX XXXXXXXX did the same when I switched my XXXX Business to them. However, they only approved {$12000.00} on the visa, and I have been running and need {$50000.00}. I was only switching so their system would connect with my accounting program. 
It has to be age dicrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I paid for a hotel stay on XX/XX/2024 and was supposed to be refunded the whole amount after there was an issue raised to the hotel XXXX on my behalf. I sent XXXX the invoice and they did not issue the refund. Instead, they decided to close my checking account after an improper investigation of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MN

Complaint narrative:
square restricted and closed my account for no reason. and are holding funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report. Specifically, the following names and addresses are listed on my report as past residences where I have never lived and names that are not mine : XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX ( not my name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> ( this address is not mine ) I have confirmed that I have never resided at any of these addresses and have no connection to them whatsoever. The inclusion of these inaccurate addresses is damaging to my credit report and potentially impacting my ability to obtain credit, employment, and other benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: GA

Complaint narrative:
I am writing to formally and urgently request the immediate removal of all accounts associated with my bankruptcy proceedings. 
Account name : XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX, XXXX. Account Date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account name : XXXX Account XXXX : XX/XX/XXXX As per the stringent regulations and procedures governing bankruptcy, it is absolutely imperative that all accounts implicated in my bankruptcy undergo immediate and comprehensive expungement from all pertinent databases and records. Failure to rectify and update these closed accounts under my bankruptcy status is not only a breach of legal protocol but also warrants serious legal repercussions, for which I shall not hesitate to pursue necessary legal action. 

This directive is not merely a procedural formality ; rather, it represents a critical juncture in facilitating my financial recovery and ensuring a fair and just resolution to my financial obligations. 

The expeditious removal of these accounts is not only in accordance with the legal framework governing bankruptcy proceedings but also serves as a fundamental step towards restoring my financial stability and confidence. By swiftly eradicating any remnants of these accounts, we demonstrate our commitment to upholding the integrity of the bankruptcy process and honoring the principles of equity and fairness. 

Moreover, the prompt deletion of these accounts serves to preempt any potential complications or discrepancies that may arise in the future. It significantly streamlines the process of assessing my current financial standing and alleviates any unnecessary burdens or impediments hindering my efforts to regain financial independence. 

In light of the gravity of this matter, I implore all relevant parties to act swiftly and decisively in executing the requisite steps to remove all accounts associated with my bankruptcy proceedings. Your cooperation in this regard is not only mandated by law but is also indispensable in facilitating my journey towards financial rehabilitation and empowerment. 

I kindly request acknowledgment of receipt of this letter and request regular updates on the progress of the account removal process. 

Thank you for your immediate attention to this urgent 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 non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Somebody used my Citibank credit card to fraudulently obtain a {$300.00} cash advance. I have had no luck with Citibank getting this amount refunded. Each time I call, I am told that an investigator determined that the Cash was deposited into my Citibank checking account. THIS IS NOT TRUE!!!!!!!!!!!!!! There is absolutely no basis for this statement. 

I keep telling Citibank that this is not true and am getting nowhere.

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 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: GA

Complaint narrative:
Lexis nexis was not authorized to place a bankruptcy on my report. The bankruptcy court does not report to the credit bureaus. Lexis nexis is in violation under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-05-13 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: VA

Complaint narrative:
I contacted Transunion in XXXX of this year concerning this issue. Transunion had no authorization from the courts nor myself share my information. once i contacted Transunion they stated that the information they had was accurate and that they did not need to make any changes to my credit report, but yet and still it is against the law to share my personal information without my consent or the courts that they stated reported it to them it is false information and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: MD

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 non-monetary relief
Consumer complaint received 2024-05-13 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: MI

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXX - XXXX of XXXX XXXX charged my credit card for XXXX XXXX XXXX I didn't order it nor did I get it. My husband ( XXXX XXXX XXXX ) had dealt with this company in the past. 
Since we did not get anything I did not check my Citi credit card. In XXXX of XXXX my credit score dropped. I immediately checked for a reason and found the Citi Credit reported I didn't pay my XX/XX/XXXX statement. 
I called Citi Card they said OK. My husband contacted XXXX XXXX resolve this issue. XXXX customer service sent my husband XXXX an email and confirmed the refund will ( confirmation # XXXX ) go to Citi Card. XXXX stated it could take up 3 days. 
Citi Card ( diamond preferred ). Citi said they would credit the amount, 3 days to show as well. 
XXXX I get an email saying I owe my missed payment of {$110.00} to Card. This has gone on month after month with no resolution. Citi card claims XXXX said it was a valid charge. 
I called XXXX ( XX/XX/XXXX ) they say they refunded the charge on XX/XX/XXXX and gave me an ID # for the refund # XXXX at XXXX on XX/XX/XXXX. 
Still getting emails and now phone calls from collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX pm I received an email that there was fraud on my account. I was at the dentist, as soon as I arrived home at XXXX I called Citi and reported the fraud. As I was on the phone with Citi the 2nd transaction posted on my account.

Citi has cancelled the card and issued a new one as well as started a fraud investigation. I have no knowledge of these transactions, they were not authorized by me. 

XX/XX/XXXX {$2500.00} XXXX pm XX/XX/XXXX {$6300.00} XXXX pm - posted to my account as I was on the phone with agent. 

Total {$8800.00} XX/XX/XXXX filed police report with XXXX On XX/XX/XXXX Citi reported the balance on my credit report

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 2024-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I applied with Bank of America for a home long on XX/XX/2024, I had submitted all the requested documents time and time again. 

During this process, I was led to believe that everything was going well, as I checked my portal and saw the documents requested was rec 'd, reviewed and completed by Bank of America. 

Myself and my realtor was in communication with my lender throughout this process regarding the loan. 

I had requested a loan of XXXX from Bank of America during this time. 

I felt at this point I was led to believe that I was ok and that my loan was approved, it had already be weeks to a month with no negative information regarding the loan. 

At the end of XXXX, a week or two into XXXX my realtor contacted my loan officer and we later found out that I was denied. 

This is not XX/XX/2024 and I have not yet rec 'd a letter of denial from Bank of America and my portal still shows Mortgage in Process. 

My loan officer told myself and my realtor that he could not tell me the reason for the denial and that a letter would be forthcoming in the mail. 

My loan officer called and left a message he was closing the loan out, but as I reviewed my portal the loan application has not been closed out. 

I did in fact call the bank to get an reason and spoke a another loan officer who could not share much information on the loan but stated that a letter of denial is submitted once the loan application is closed, this has not happen as of this compliant. 

I felt that has there been any issues with in a week or two of the application I should have been notified and not lead to beliver otherwise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-13 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: NC

Complaint narrative:
Collector - XXXX XXXX XXXX XXXX The referenced account is disputed due to multiple discrepancies. 
The account listed on Equifax and XXXX does not belong to me due to the provided account number being incorrect. Equifax is showing the last 4 as XXXX, which is inaccurate. Therefore, I will not nor can I take responsibility of this account. 
Moreover, the vehicle associated with this account was repossessed on XX/XX/XXXX, yet my credit report does not reflect this ; instead, it erroneously shows a charge-off status. 
The remaining deficiency balance after the vehicle 's sale was {$5400.00} as of XX/XX/XXXX, but the reported balance for XX/XX/XXXX is inaccurate at {$7300.00}. The account 's balance for XXXX, XXXX, and subsequent months should have been {$5400.00}. Additionally, there are inaccuracies in the payment history on my Equifax file, inconsistent with the records provided by XXXX XXXX. Furthermore, there is no payment history on my XXXX file and XXXX fails to report this information altogether. 
In addition, my payments were due on a monthly basis with my contract showing 48 payments which is equal to 48 months. However, Equifax and XXXX show a term duration of 54 months. 
Each time this account has been disputed it was not noted by Equifax nor XXXX, and each time the resolution being that the account was updated. After further investigation each conclusion of a resolution, there were and remain no updates to the account. 
I demand the deletion of this account from my file due to these numerous inaccuracies, which violate FCRA 623. This serves as my final dispute notification. Per FCRA 623, I insist on the complete removal of this consistently inaccurate account. 

FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-13 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: FL

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