vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: GA

Complaint narrative:
I deposited three checks from the XXXX treasury into my Chime account. Dates deposited and amounts below : XXXX XXXX XXXX : {$990.00} XXXXXXXX XXXX XXXX  : {$750.00} XXXX XXXX XXXX : {$1200.00} I used mobile deposit. I received a notification that it would take five business days to receive the money, even though I read that government funds are supposed to be made available within one or two business days. As of this morning, Friday XXXX. XXXXXXXX XXXX I still have not received the first payment. I believe Chime is unfairly withholding the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
I am requesting your help in regards to this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help.

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 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me. Therefore, I am pleading for your assistance in rectifying this situation as soon as possible. I kindly request a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to express my concern regarding several disputed accounts on my credit report. Despite my multiple attempts to address these inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly impacting my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me. Therefore, I am pleading for your assistance in rectifying this situation as soon as possible. I kindly request a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened Capital One 360 checking & savings accounts because they had competitive savings interest rates and offered no-fee overdraft protection. Since opening the accounts, I have on occasion needed to utilize this OD protection service. Initially, this was a mostly transparent service. If I maintained a regular direct deposit of at least a certain amount of money over a certain number of months, CapOne would pay an overdraft and not return the transaction to the vendor. I have always maintained my accounts in good standing, but suddenly this year, CapOne stopped paying these overdrafts consistently. One month, I might have a {$150.00} transaction post and my account might go negative by {$110.00} for a few days, the next month, a {$15.00} streaming charge would attempt to post and would be rejected by CapOne. There is zero consistency now. Im encountering an avalanche of NSF charges from vendors because CapOne wont allow any overdrafts to post at all, even pre-authorized subscription charges or pharmacy/food transactions. Ive attempted to obtain clarity on CapOne policies, since one month my account might be overdrawn {$15.00} and another month {$94.00} ( all normalizing eventually and maintained in good standing when all is said and done ). CapOne will then refer me to their no-fee written policy, which in my reading of it, should have allowed all of these periodic transactions to post pending my deposits. The lack of consistency, and the constant obfuscation by their customer support, has led me to believe they are not actually offering no-fee overdraft protection at all. Whats more, is that a customer is not allowed to change their overdraft preferences if the account is already temporarily negative. If I selected no-fee as a preference toggle and then a transaction pushes my balance to - {$10.00}, and then I soon recognize the importance of this and realize I need a larger payment to post imminently and with no issues, I can not go back to CapOne and change the OD setting to a fee-based overdraft in order to guarantee the payment will clear even if I pay them extra for the privilege. This has completely derailed my personal finances at this time because I am unable to plan or prepare for these bumps in the road when my bank keeps moving the goalposts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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:
I am requesting your help in regards to this inaccurate account being reported on my credit report. I have raised this concern because this has been damaging my reputation and I need your help.

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 2024-07-19 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: NV

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.

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 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
The company went through some sort of merger in XXXX which eventually resulted in me losing access to my online portal account sometime early/mid XXXX. Losing access to the portal meant I was no longer able to view my bill or pay them online. In a personal effort to be cooperative I did just pay a few bills over the phone despite my discomfort with that, but eventually stopped after a few months because I wasn't understanding why I was being charged certain amounts and they couldn't provide a bill to explain. My account started to go late in XX/XX/XXXX. 

I spent hours and hours on the phone with customer support on the back half of XXXX trying to regain access to my account, but they continually failed, redirected, blamed me, ect. After countless hours and attempts, the situation finally got resolved at the end of XXXX in XXXX after already being XXXX months late on payments. 

After experiencing months of the worst customer service possible I decided to just pay my bill and close the account. After speaking with some members of management they waived all late fees noting it was their system issues that caused the problems, but apparently didn't remove the late status from my credit report. 

The card was 100 % paid off and closed in XX/XX/XXXX, because I had to call back AGAIN and get another late fee that they added on after I paid removed. 

How do they expect me to pay a bill I'm not allowed to view? The collection reps are allowed to know the total and take my credit card, but can't tell me what's on the bill? Why was I locked out of my account for half a year? How can they tell me it was their fault and remove the late fees, but still mark me as late on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IN

Complaint narrative:
I've been reaching out to Transunion concerning incorrect information, and they keep saying all of my information has been verified for inacuracies. It has not. 

I reported identity theft and they sent me a letter saying they are not going to do anything at the moment. 

Today I'm looking at my credit report and see a address added from North Carolina. I live in XXXX XXXX, Indiana. I've only lived at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Then I started receiving 20 alerts that my credit has been ran.

This has caused harm in applying for credit.

Law 15 U.S.C. 1681-1681x

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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
Copy of Text from Letter To SoFi Bank for Attempt to Collect on Personal Installment Loan Paid in Full & Closed Re : Formal Account Dispute Dear SoFi Bank, We are writing to formally request that SoFi Bank place the above referenced personal loan account in credit DISPUTE and in accordance with our rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Consumer Credit Protection Act, and the Federal Trade Commission Act. We dispute any outstanding account balance as being in error and or fraudulent. This personal loan installment account was paid in full, evidence of payment with payoff statement and letter is attached with this correspondence. 

In regards to this account and our consumer / creditor relationship you are also notified and instructed that any and all communication must be in writing and sent to the account address of XXXX XXXX XXXX, XXXXXXXX XXXX. You are hereby notified that we will not respond or accept any form of electronic or digital communication including email, phone calls ( landline or cellular ), or text messages. Do not contact us by any means other than in writing and delivered by the United States Postal Service, XXXX, or XXXX. 

We contacted SoFi several times via phone, online chat and email. Our account has been notated each time we called, we were told by your telephone customer support agents. We requested escalation as one of your SoFi customer support agents acknowledged that SoFi had made a mistake and no further action on our part was required. In error and without our request SoFi made unauthorized line of credit loan distributions to us by electronic deposit after this installment personal loan account was supposed to be closed and paid in full. The account was actually overpaid when it was closed and SoFi refunded the overpayment to us. SoFi also retracted and electronically reversed and unauthorized distribution made into our account at XXXX XXXX XXXX XXXX. We notified our credit union of these unauthorized electronic deposits and asked them to freeze any activity by, to or from SoFi Bank. 


Again we maintain that this account has been paid in full, and is closed. We have no further debt obligations to SoFi Bank. Any outstanding balance showing along with past dues account notice, debt collection efforts are in error and the fault of SoFi Bank. Also any reporting of account delinquency, and late payments to the credit bureaus are also in error and in violation of our consumer rights. 

We request that you thoroughly review our account, clear this matter and notate our account as paid in full, with a {$0.00} balance and in good standing, paid as agreed, and no late payments whatsoever. 

Lastly, we request to be notified in writing within 45 days that this matter has been closed in our favor and was in fact the result of an internal accounting error made by SoFi Bank. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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.

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 2024-07-19 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: IA

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-19 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:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have contacted Jefferson Capital Systems Collections and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account XXXX is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/2023. The date is completely wrong, because I signed up for ZERO new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.

Company response to consumer: Closed with explanation