vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 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: NV

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Forewarning, I don't remember exact dates and I am lacking in oriented proper documentation. I was ignorant and have since learned to keep all documentation when dealing with banks. This was at the beginning of my financial learning and boy, has it been a big lesson. My name has also changed since the occurrence from XXXX XXXX to XXXX XXXX. 

In the year of XXXX I opened a high yield savings account with Citi Bank and deposited {$2000.00} into the account. I thought that since I had the high yield savings with them, I should open a linked credit card with them as well. I used the credit card and had a balance of around {$700.00}. I then tried to pay my credit balance with my savings balance to no avail. They told me that I needed to link an external bank account to pay the credit balance. It took many tries with chats, calls, and emails to try and add an external account. They started continously asking for a mailing address that wasnt a XXXX XXXX and I informed them all I have is a XXXX XXXX that mail can be sent to. Eventually in that last conversation I had with them, they suddenly told me that my account was being closed and they would send me a letter informing me of why. I XXXX got upset, cut up the card, and just " gave up ''. The letter they sent me stated that my account was completely closed due to fraudulent activity. When I got back up and tried to make efforts to pay my balance again, my account " didn't exist '' and they couldn't track it using my name or my XXXX for some obscure reason. I then started getting emails warning me of my overdue balance and was able to pay it online through that email. Again, I thought it was over and was willing to just give up the {$2000.00} I had put in my saving to just be done with it. I paid a balance of {$860.00} on XX/XX/XXXX, which is the only receipt I really have thanks to my bank statements. However, now I am getting emails again saying that my balance is now {$1700.00}. I have no idea how that amount accrued as I don't have a card or an account with them anymore as they say. I still have my login info for the online banking program but it doesn't allow me to log in saying that my account doesn't exist. I'm at a complete loss concerning what to do about this whole situation but it's affecting my credit and I've been working really hard to get that up to a good level over the past few years. Any help or advise would be greatly appreciated.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: NY

Complaint narrative:
I recently became aware of unauthorized fraudulent accounts and addresses that have been reported on my credit report. My personal information has been used without my consent or knowledge. I have tried to rectify this situation several times now unsuccessfully. I have no knowledge of these accounts nor have I signed any contracts with these creditors.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly 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 non-monetary relief
Consumer complaint received 2024-05-07 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-05-07 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: SC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Chase told me after I called expecting my children 's XXXX check to be deposited on the XXXX. They then told me that the check wouldn't be deposited by the account was closed so I immediately called SSI and changed accounts with them so that nothing that was needed would be behind. Days go by and the funds weren't deposited into the new account. I checked the Chase account and the funds were deposited so I told them I also wanted to cut ties with them It's fine I would go to the nearest branch and get the funds out of the account and close it that way. To which they told me the funds would not be released to me. They would send them to me in a check in their timing. I advised them that the funds were for my children and we have bills due, clothes, and food needed and they didn't care. He said they wouldn't be released no matter what I did or who I spoke to. I have XXXX kids with XXXX and these funds are needed very badly. PLEASE HELP US GET TO A RESOLUTION WITH THIS MATTER. I already have a new account waiting and ready for funds to be deposited but they aren't willing to cooperate with me or work with me in any way. They never even told me why the account was closed either. I know they have this right but what abt their checks??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a checking account with Bank of America on Thursday the 2 I withdrew XXXX dollars cash out of an atm. It did dont dispense I was told that they would credit my account with in 2-10 business days after calling on the 4th to 5th day I was told they would not refund for 45 days an that my account was not authorized to have a provision credit it has already been 4 days now that are telling me they have no idea when my money. If they checked the cameras or the atm then they would see that the money was never dial taken from the account

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 2024-05-07 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: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
As 15 usc 1681 starts out with " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' I have had no trust in this banking system for quite some time. Recently, last year, I have tried writing to ask various companies to remove old, sold, and identity theft accounts from my credit report. None have been able to validate any of the alleged debts, and nobody from the companies write me back. I just get a generic " we have verified and we will continue to report this account on your credit report. '' All I am asking is to stop putting things on my credit report that does not belong. It's harmful to my reputation, and is making it very hard to continue to educate people about the law when companies do not read the law. 

My last letter was sent at the beginning of XXXX to 3 separate companies, and I mentioned that I will file a cfpb complaint before I initiate litigation. I do not know if I can put all 3 companies on here but feel free to email or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
This grumbling to EXPERIAN was the after effect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC number 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 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly 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 non-monetary relief
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

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 2024-05-07 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: LA

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 and 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 non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
I had stayed at a XXXX XXXX hotel near the XXXX XXXX. I checked in on the XXXX XXXX and had to check out three days early due to a family emergency. When I checked in I was charged {$570.00} on my Chime Debit card. Which {$200.00} was for a room deposit and remaining amount was for the actual room stay. 
When I checked out early on the XXXX XXXX, the hotel clerk only charged me for XXXXXXXX XXXX. I was told the deposit and refund of the night that I didn't use would show in my checking account within 7 days. It is now over 7 days and the hotel verified they released the funds. Chime customer services which is in a foreign country, constantly hung up on me and couldn't pronounce my name correctly, said the funds were never taken out. Chime has told several different stories every time I call. When I ask for a supervisor, they say they are the supervisor. When I asked for the Chime Corp office, they say they will transfer me and then hang up. All I want is the {$470.00} I am owed. I am seriously thinking about closing this bank account and going with an American bank. Please help, This company should not be allowed to operate their customer service location in a foreign country for customers living in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: GA

Complaint narrative:
regarding XXXX XXXX  accnt number XXXX. I would like to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/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 2024-05-07 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: MOHELA
State: OR

Complaint narrative:
Mohela finally put an administrative forbearance on my account due to their delays and errors in processing my annual income certification and payment plan. I have received mixed information on how long the forbearance is for - one or two months. Either way is fine. However, now Mohela is telling me that I have missed a payment and owe double next month despite my auto debit still active in my account. They have caused major errors on my account and trying to get a hold of someone takes a long time. 

Nothing has changed with my auto debit. It is their fault and lack of communication and clarity that they are saying I missed a payment.

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