vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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 accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my credit report. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
recently checked my credit report and saw that on XX/XX/year> and XX/XX/year> had 2 30 day late payments. creditors are supposed to report correct information and these payments were not late. I am requesting a investigation and that they be reported paid on time immediately. Thank you.

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 2024-12-05 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: TX

Complaint narrative:
recently checked my credit report and saw that on XX/XX/2021 and XX/XX/2021 had 2 30 day late payments. creditors are supposed to report correct information and these payments were not late. I am requesting a investigation and that they be reported paid on time immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XX/XX/XXXX I transferred {$1000.00} from Marcus by Goldman Sachs to my new XXXX account. This money was transferred without issue and was never recalled. on XX/XX/XXXX, I transferred {$100000.00} from Marcus to XXXX. On XX/XX/XXXX, Marcus recalled {$100000.00}, and because XXXX was forced to remove me from my positions, I lost over {$1700.00}. When I called Marcus to inquire what happened, I was told that I was not allowed to transfer to XXXX, which is why it was recalled when I pushed back and stated that my original deposit went through without issue. I was then told it was because Marcus thought it was a fraud, so it was recalled. I asked why didn't anyone contact me to verify I was told that it was reviewed early in the morning and they don't make notifications at that point. A day later, they froze my account, and it caused me to incur additional fees from a bill auto payment. Numerous Marcus employees, including supervisors, told me it was a mistake on their end and that I should be reimbursed. My request for reimbursement has been denied twice and still without explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that I believe have occurred regarding the information reported on my credit report. 

Here is a summary of what happened : Willful Noncompliance under FCRA Section 616 : The credit reporting agency accepted credit information about me without verifying its accuracy, which is a willful violation of the FCRA. According to 15 U.S. Code 1681n, this type of willful noncompliance could lead to civil liability of up to {$1000.00} per violation.

Failure to Disclose My Rights under FCRA Section 603 ( d ) ( 2 ) ( A ) : The credit reporting agency did not inform me of my right to opt out of sharing my personal information, violating my rights under the FCRA.

Furnishing Inaccurate Information under FCRA Section 623 ( a ) ( 3 ) : The agency reported inaccurate debts and accounts without proper validation. This is considered deceptive and potentially violates generally accepted accounting principles ( GAAP ).

Violation of the Fair Debt Collection Practices Act : Debt collectors engaged in unfair practices, including reporting inaccurate debts on my credit report without my consent. This caused me distress and unnecessary contact from creditors.

Inaccurate Reporting of Debt Information : Debt collectors also violated regulations that prohibit disclosing debt information to third parties. They disclosed my debt to credit reporting agencies without my consent, which is a violation of 15 U.S. Code 1692b.

Misreporting of " Late Payments '' : I noticed that the agency reported " late payments '' without properly defining what constitutes a late payment. This is inaccurate and misleading under FCRA guidelines.

Incorrect Finance Charge Determination : The credit reporting agency failed to accurately determine finance charges, which is their responsibility. This is another violation of the FCRA.

Unlawful Reporting of Information without Consent : The agency reported information on my credit report without obtaining my written consent, violating 15 U.S. Code 1681b. This relates to the permissible purposes for obtaining and reporting credit information.

As a result of these violations, I am requesting the immediate deletion of certain inaccurate and unauthorized personal information and accounts from my credit report. These include personal addresses and specific accounts, all of which are inaccurate or have been reported without proper validation under 15 U.S. Code 1692g.

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 2024-12-05 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: DISCOVER BANK
State: MT

Complaint narrative:
On XX/XX/2024, I answered a phone call from someone that was pretending to be a Discover employee, it was a XXXX XXXX number. The person said they were calling because there was a lot of scams/fraud happening and Discover wanted to ensure my account was fully protected. They had my Discover account balance, as well as my Mothers name. They also had my XXXX credit card balance, mentioning it was available information to all credit card companies to help ensure the person on the phone ( me ) that it was not a scam. Very quickly into the call, they mentioned I should have just received a code, to which I confirmed and they asked for the numbers, which I gave. They did it a second time and then confirmed everything was secure and good to go on their end. We chatted for a few more minutes and the call ended. 

After hanging up and going home, I noticed two charges on my Discover card. The purchases were made at a XXXX store in XXXX, XXXX. ( {$2600.00} and {$3900.00}, total {$6600.00} ) I immediately reported as fraud to Discover. They removed from my bill for two months, but put the amount back on my statement in XX/XX/2024. I called to ask about this, and they said that because I " authorized '' the charges, I would have to pay the amount. But that's not true, I was deceived into thinking the call was from a legitimate representative of Discover. I did not know that giving the code would authorize a purchase. I literally thought the call was part of a security verification process and my response was given under the assumption that it was for account protection purposes. 

I did not mention the discover employee imposter on my initial call with Discover because I was embarrassed by my stupidity. But after they denied my refund, I mentioned it was a Discover imposter to Discover, and they didn't believe me. 

I have not travelled to XXXX, and can prove that I was in XXXX when this occurred. I feel as though Discover is taking advantage of the situation by telling me I just have to pay the fraud amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I logged onto online banking, and it was then that I found out that all my credit cards were closed. I called the bank the same day, and their representatives told me the bank would only communicate with me only if I were to send a letter to a XXXX XXXX in XXXX XXXX South Dakota. Other than that, no representatives nor supervisors would speak with me regarding my now closed accounts over the phone. This is quite unacceptable as I was current in all my accounts and had no issues prior to this, nor was I told in any way that my accounts would be closed. Citigroup has infringed upon my rights under Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Credit CARD Act of 2009, and state laws. The behavior XXXX has exhibited here represents the most unprofessional and ethically questionable conduct one could demonstrate. It undermines trust, and reflects a complete disregard for the standards of integrity and respect that are fundamental to the banking system.

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 2024-12-05 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: SC

Complaint narrative:
I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws concerning how my credit information has been handled. Heres what happened : Willful Noncompliance ( FCRA Section 616 ) : The credit reporting agency accepted and reported information about me without verifying its accuracy, violating my rights under the FCRA. This type of willful negligence carries civil liability of up to {$1000.00} per violation. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of having my personal information shared, which is a deceptive omission under the FCRA. 

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were added to my credit report without proper validation. This deceptive reporting may also breach Generally Accepted Accounting Principles ( GAAP ). 

Unfair Debt Collection Practices : False debts and accounts were reported without my consent, leading to unnecessary and distressing contact from creditors. 

Improper Disclosure of Debt Information : Debt collectors improperly shared my personal information with third-party credit reporting agencies, alleging debts I did not owe. This violates regulations governing the disclosure of location and debt information. 

Inaccurate Late Payment Reporting : The agency reported " late payments '' without defining what qualifies as late, making the reporting both deceptive and inaccurate. 

Failure to Accurately Determine Finance Charges : As a credit reporting agency, they failed to properly calculate finance charges, adding further inaccuracies to my record. 

Improper Use of Credit Report Information : My credit report contained information that was added without obtaining my written consent, violating FCRA guidelines on permissible purposes. 

To resolve these issues, I have demanded the deletion of incorrect addresses, outdated and inaccurate accounts, and unauthorized inquiries from my credit report. I expect immediate action, as failure to address these violations will compel me to pursue legal remedies as allowed under the FCRA.

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 2024-12-05 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
my house was rezoned to require flood on XXXX XXXX newrez sent a letter post marked XX/XX/XXXX but letter was dated XX/XX/XXXX advising i had 45 days to obtain flood from date of letter. I immediately contacted my ins agent and purchased flood. fema has a 30 day waiting period to activate. called newrez mortgage and explained. I sent my paid credit card receipt for flood. Newrez placed me in a flood policy and trying to collect {$100.00} by adding to my monthly payment. would like a credit from them but no response just bill

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 2024-12-05 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Complaint Against Experian Regarding Inaccurate Late Payment Reporting for XXXX XXXX XXXX Account Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, Account Number XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
Account Details and Evidence of Inaccuracy Below are the details of the account and the discrepancies found : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual, Closed or paid account/XXXX balance Dispute Status : Account not disputed Creditor Type : Bank Credit Cards ( XXXX ), National Credit Card Companies ( XXXX ) Account Status : Closed Payment Status : Late 30 Days Creditor Remarks : Canceled by credit grantor ( XXXX ), Closed due to inactivity ( Experian ) Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$1700.00} Desired Resolution I am formally requesting the following : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address this issue promptly will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Sincerely, 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 explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Sent {$320.00} in error via XXXX and NO ONE IN XXXX CARED! it was as if the money wasnt there issue so why even attempt!! 
NASTY NASTY NASTY! 
Now Im out of {$320.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-12-05 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: IA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my Transunion credit report on XX/XX/2024and 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 generally, 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 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 2024-12-05 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: TX

Complaint narrative:
To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. Therefore, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them to be reported correctly, which is required by law ( FCRA ) and Metro 2 standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately.

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