vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
They sent me a letter several weeks later, but again the number did not work. Their system is broken. It acts like it takes your number and recognizes unfreeze and refreeze dates, then asks Again to mail a letter for a new number.

Trying to unfreeze online, it doesn't recognize my login. when I try to sign in another way, it says it will send a verification, but one never comes through.

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 2024-08-13 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: DISCOVER BANK
State: MA

Complaint narrative:
I am filing a complaint against Discover Bank regarding an incorrect balance reported on my credit report for the account ending in XXXX. The balance currently listed is {$1700.00}, which does not accurately reflect the true amount I owe. This discrepancy has resulted in inaccuracies in my credit report and may be negatively affecting my credit score. Such erroneous reporting compromises the integrity of my credit history and misrepresents my financial obligations. 

This issue constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that creditors and furnishers of credit information ensure the accuracy and completeness of the data they report to credit bureaus. Specifically, under 15 U.S.C. 1681s-2 ( b ), furnishers are obligated to investigate and correct any inaccuracies they have reported to credit bureaus. The incorrect balance listed by Discover Bank not only fails to meet these legal requirements but also undermines my ability to maintain an accurate and fair credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: FL

Complaint narrative:
On XX/XX/XXXX, correspondences were sent to Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX involving violations pertaining to an account on my credit profile. 

As a federally protected consumer, I have a right to privacy in which said companies violated ( amongst other violations ) by listing income on my credit profile. 

No resolution has been met yet.

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 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX my identity was stolen to opened up a credit card account with XXXX XXXX XXXX. At the time of this opening I was XXXX  and was not relieved until XX/XX/XXXX which makes it impossible for the account to belong to me. Please remove account from my credit report 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 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
There was a XXXX payment for {$260.00} that I did not authorize on XX/XX/year>, and I had to dispute it three times because it was filed incorrectly the first two times and the agents noted that I authorized the charge when I never told them I did, so I could understand why it was denied those times. However, it was filed correctly the third time and the agent noted that the transaction was unauthorized, but the Disputes department still denied the claim. If they paid attention, they could see there was a security issue with this and the transaction actually went through twice. I was automatically refunded for one but not the other. There was no way I was able to authorize that payment because the only way Im able to authorize it is if I have access to my phone number ( XXXX ), which I did not have access to during that time and as much of a time consuming pain it will be I can obtain proof of that from my phone provider if they request this information. 

I just recently closed my credit card that I had with TD for 7 years all because of the Disputes department and how they started mishandling claims about two years ago, and I will not hesitate to do the same with my checking account that Ive had for literally 24 years if I have to. This is no way to treat a customer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NV

Complaint narrative:
After my card with US Direct Deposit was denying payment on my purchases, I called and was transferred to the Fraud department and told that they could not discuss it with me.

They asked me to email them documents to prove who I was and the clerk in the apartment emailed them my birth certificate, soc security card, medicare card, and expired drivers license, since I no longer drive. Being sent from the office of the apartment that they have as my address should have also confirmed that it was me. US Direct Deposit then cancelled my card. Since Direct Express would no longer respond when I entered the card number or my social security card, I mailed a request to transfer my balance of about {$40000.00} to a new account at XXXX. This has not been done. In the meantime, my rent is past due, I am in jeopardy of being evicted, I can not buy food. 
I need to know how to collect my money. 
There is a number to complain about US Direct Express, I called and complained twice, but did not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I went to a Citi bank branch to deposit a check that I received in the mail from my XXXX  taxes and I was advised my funds will be available XX/XX/XXXX on that day my account started it was blocked and when I called they stated they needed to verify the check. I called the tax company and they advised me on XX/XX/XXXX the check was verified and on XX/XX/XXXX they stated the bank received the funds and Citi bank advised me they close me account and kept hanging up on me when I asked for my funds.

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 2024-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a dispute regarding unlawful information on my credit report, it has been 60 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: NC

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
For a full and properly formatted version of this complaint, I have attached a document titled SoFi CFPB Complaint that I urge the CFPB team to read first, even if just for the summary section. It explains the complaint, the incident, issues with SoFi, and describes the documents attached Please feel free to contact me at XXXX ( XXXX ) XXXX for any questions The following is the Summary of Complaint section from the full document Summary of Complaint : This complaint pertains to the following fraud dispute claim made with SoFi Bank ( SoFi ) : Dispute ticket # : XXXX made via phone on Tuesday XX/XX/XXXX The claim relates to 2 unauthorized, fraudulent transactions made using my stolen phone on XX/XX/XXXX amounting to {$5400.00} ( {$4700.00} + {$700.00} ). SoFi did not have the tools or staff available to prevent or stop the fraud, as Ill explain below, and the reporting of theft was only possible on XX/XX/XXXX, while the filing of a dispute was only possible on XX/XX/XXXX SoFi has currently fully restricted my account with no access to all my funds and refuses to lift the restriction until their investigation is complete by XX/XX/year>. In my view, SoFi is pushing all the risk and responsibility for their under-investment in debit card fraud division until they fully conclude the investigation, which I will be explaining in detail I kindly ask your help in lifting the restriction and urging SoFi to seek a fair and quick resolution to my case and issue a final refund I tried repeatedly to explain that this is a violation of CFPB policy to no avail, with no ability to escalate the matter to a US-based decisionmaker , as the back-office team is outsourced abroad and are unfamiliar with the CFPB and US laws The rest of the complaint ( in full version attached ) will provide details for the benefit of the teams at CFPB and SoFi about : - The fraud incident - Issues faced with SoFi - Currently available supporting documents and evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly dispute the bankruptcy that appears on my credit report, I'm writing. I have a court letter stating to the fact that this bankruptcy should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2024-08-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Target Card Services, servicer to TD Bank USA, N.A. 
XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX My name is XXXX XXXX XXXX have a active investigation going on regarding an account that was opened while I was incarcerated in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally wasnt on the streets at the time of this alleged account being opened Im getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was incarcerated in a state penitentiary jail. Im not sure if my family members made this account while I was incarceration because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point Im just so fed up and so damaged by this allege theft that has taken on my behalf Im willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. Im tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because Im really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Email- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have 2 fraudulent hard inquiries on my credit report on XX/XX/2024 XXXX XXXX and XXXX. 
I have a {$4500.00} bill from XXXX and received a XXXX XXXX credit card that I didnt apply for I called TransUnion to get them removed and the operator told me to fill out a claim on this website

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 2024-08-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE A FRADULENT ACCOUNT ON MY CREDIT REPORTS

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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — Store credit 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: GA

Complaint narrative:
I purchase a XXXX laptop at the price of XXXX total XXXX on or about XXXX XXXX. Returned back to Best Buy store in XXXX ga on XXXX XXXX. I have receipt showing returned. 

Spoke with XXXX XXXX XXXX at Best buy credit services on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Citi Bank XX/XX/XXXX XXXX XX/XX/XXXX XXXX Citibank XXXX XXXX XX/XX/XXXX Customer Service XXXX XXXX XXXX XXXX XXXX level XX/XX/XXXX XXXX Customer Service Now the creditor has the account XXXX XXXX XXXX XXXX Where I spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TRANSUNION I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX {$15000.00} **Inquiries** XXXX  XXXX VIA DEALER ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX  XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX 2023

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 2024-08-13 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: 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