vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: CA

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$9500.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/2023 XXXX XX/XX/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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Results needed : Bank of America needs to please locate {$4100.00} and credit my account # ending in XXXX. These funds were returned on XXXX XXXX XXXX from XXXX to Bank Of America. See details below. 



Details-This has been too long since I dont have these funds. It has become a blame game between Bank of America and XXXXXXXX XXXX 


XX/XX/ I requested to pay my mortgage bill via Bank of Americas Online banking bill payment system for {$4100.00} to XXXX. 
XXXX XXXX  returned this payment back to Bank of America. 
From XXXX XXXX XXXX XXXX XXXX  I have made several calls to both BOFA and XXXX and been bouncing back and forth with no resolutions. None of these companies takes ownership of who has the funds to release these to my account. 
On XX/XX/, I spend another 2 hours between bank of Americas deposit department and Bill pay department and didnt make any progress. There were few a things that were learned in the banking jargon as I included a family member on these calls that is in banking. 
Bank of America uses a third party bill pay company XXXX XXXX XXXX XXXX ) Which is where funds were returned according to letter provided by XXXX. 
There was another transaction exactly the same payment to XXXX via bill pay in XX/XX/2023 that was also returned and these funds were credited to my account without any issues. 

At this point, Bank of America has the funds and should do the research required to find these and credit me. I believe that this was most likely rejected and in the manual process they didnt know where to credit and is probably still in some internal general ledger account. The right parties in the right department need to take charge to track this. 

See attached letters from both BOFA and XXXX showing Bank of America bill pay went out and also the confirmation that this was returned by XXXX. 

Having these large sums of funds missing for a single mother for 11 months is just ridiculous and needs the attention that this deserves to get a resolution. 

If you have any further questions, please contact me, XXXX XXXX, at my cell phone XXXX to get a resolution in a timely manner.

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 2024-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am writing to bring to your attention a pressing matter involving Kia Motors Finance and a late payment discrepancy that has adversely impacted my credit. I believe Kia has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 
In XX/XX/2023, I purchased a vehicle from Kia and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted Kia to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 
Upon escalating the matter to a supervisor, I was informed that Kia had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023. 
XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late date:XXXX I kindly request your intervention to prompt Kia Motors Finance to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with Kia.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Per FCRA as a federally protected consumer, I am asserting my rights under 16 USC 6802, 16 USC 6803, 16 USC 6804, and 16 USC 6805. 

The accounts listed below are reporting incorrectly across XXXX, XXXX, and TRANSUNION. 
I previously disputed these accounts through the companies as well as the agencies. I also submitted a complaint on XX/XX/XXXX. 
However, the accounts were verified by the agencies. My complaint was closed unsatisfactorily. 
I question the accuracy when the three agencies are all reporting different information. 

The accounts are as follows : XXXX  The agencies are reporting XXXX different dates of last activity, different dates of last payment and different payment histories. This account is also listed as a charge off. A charge off is a certificate of indebtedness. Therefore it is income and can not be listed on my credit report. Under Privacy Act of 1974. Please remove this account immediately from all three agencies. 

XXXX The agencies are reporting different payment histories, different dates of last activity, and dates of last activity. I was never late on this account. The law states it is illegal to report transaction history. Please update payment history in your records. 

XXXX XXXX  This account is not reporting correctly across the 3 bureaus. There are different dates of last activity listed, incorrect payment status listed, incorrect payment history listed. Please remove this account from all 3 agencies immediately. 

Another account is listed on XXXX that just says original creditor XXXX. It is listed as a collection account. I have never had a collection account with XXXX. Please remove this account from XXXX immediately. 

There is an inquiry listed on TRANSUNION, XXXX, and XXXX inquiries listed on my report with the date of XX/XX/XXXX. I did not authorize this. Please remove this under 15 USC 1681. 

Please see credit report attached as evidence.

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 2024-01-19 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: LA

Complaint narrative:
Per FCRA as a federally protected consumer, I am asserting my rights under 16 USC 6802, 16 USC 6803, 16 USC 6804, and 16 USC 6805. 

The accounts listed below are reporting incorrectly across EXPERIAN, XXXX, and XXXX. 
I previously disputed these accounts through the companies as well as the agencies. I also submitted a complaint on XX/XX/XXXX. 
However, the accounts were verified by the agencies. My complaint was closed unsatisfactorily. 
I question the accuracy when the three agencies are all reporting different information. 

The accounts are as follows : XXXX  The agencies are reporting XXXX different dates of last activity, different dates of last payment and different payment histories. This account is also listed as a charge off. A charge off is a certificate of indebtedness. Therefore it is income and can not be listed on my credit report. Under Privacy Act of 1974. Please remove this account immediately from all three agencies. 

XXXX The agencies are reporting different payment histories, different dates of last activity, and dates of last activity. I was never late on this account. The law states it is illegal to report transaction history. Please update payment history in your records. 

XXXX XXXX  This account is not reporting correctly across the XXXX bureaus. There are different dates of last activity listed, incorrect payment status listed, incorrect payment history listed. Please remove this account from all XXXX agencies immediately. 

Another account is listed on XXXX that just says original creditor XXXX. It is listed as a collection account. I have never had a collection account with XXXX. Please remove this account from XXXX immediately. 

There is an inquiry listed on XXXX, XXXX, and EXPERIAN inquiries listed on my report with the date of XX/XX/XXXX. I did not authorize this. Please remove this under 15 USC 1681. 

Please see credit report attached as evidence.

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 2024-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention a pressing matter involving XXXX XXXX XXXX and a late payment discrepancy that has adversely impacted my credit. I believe XXXX has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 

In XX/XX/2023, I purchased a vehicle from XXXX and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted XXXX to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 

Upon escalating the matter to a supervisor, I was informed that XXXX had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/2023. 

XXXX XXXX XXXX XXXX .... Date Opened XX/XX/2023 Balance : {$51000.00} Late XXXX I kindly request your intervention to prompt XXXX XXXX XXXX to honor their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. 

Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention a pressing matter involving XXXX XXXX XXXX and a late payment discrepancy that has adversely impacted my credit. I believe XXXX has failed to uphold their commitment to rectify this issue, and I am seeking your assistance to ensure a resolution. 
In XX/XX/year>, I purchased a vehicle from XXXX and promptly informed them of my change of address within the first XXXX months. Approximately 45 days after the purchase, I realized I had not received a billing statement. Concerned, I contacted XXXX to inquire about the status of my payments. To my surprise, I was informed that no payment had been received. 
Upon escalating the matter to a supervisor, I was informed that XXXX had experienced a software glitch the previous month, affecting both payments and statements. Despite being assured that the late payment would be removed as a courtesy, I recently discovered that it still reflects on my credit report as of XX/XX/year>. 
XXXX XXXX XXXX XXXX .... Date Opened XX/XX/year> Balance : {$51000.00} Late date:XXXX  I kindly request your intervention to prompt XXXX XXXX XXXX XXXX XXXX their commitment and rectify this discrepancy promptly. I believe their failure to uphold their word has negatively impacted my credit score, and I seek your assistance in ensuring they follow through with their commitment. Enclosed with this letter, please find relevant documentation supporting my claims, including proof of address change notification and previous communication with 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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a TD Bank account that was closed for no apparent reason or explanation, after nearly one month and a half I cant get no one to tell me if my funds were mailed to me.

I live XXXX  so I cant just walk into a branch and would have to spend nearly a XXXX XXXX  to go back home. TD Bank is holding all my savings at this point and has me depending on friends to survive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: SC

Complaint narrative:
I requested verification from collection agency about a debt from XXXX XXXX. They were not able to verify the information so they notified me by letter that they will be notifying the bureaus about deleting the debt. I also receive an email from the manager that works for XXXX that they requested deletion. All bureaus deleted except Equifax. All other updated the information. I contacted Equifax spoke to a manger. I disputed it online and they said the debt was verified, Equifax. The manager told me they dont look at the disputes on line and that the letter and proof does not matter you owe. I told him the law. He said it does not matter and it will stay. I have attached proof of all correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: WA

Complaint narrative:
I have been charged for XXXXXXXX XXXX  products for the past XXXX months now. I have tried contacting XXXX customer support but I was unsuccessful because you need an account and you need to be logged into the account in question. 

I have disputed several of the transactions which resulted in a new debit card and denial of disputes. 

I am currently homeless living in a tent with no power and I have never owned an XXXX let alone purchased any XXXX products. These transactions have hurt me financially and I have had to spend all of my time disputing these charges instead of searching for housing. 

I have started off the new year negative XXXX and I am currently so broke I can't even afford to pay for my XXXX for an XXXX XXXX from a recent XXXX XXXX visit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm forced to walk everyday to survive during this brutally cold winter. 

I'm pleading with you to please reconsider your decisions based on my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts I have made to rectify the ongoing issue of late open accounts associated with my account. Despite my multiple efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

I first noticed the late open accounts and since then, I have diligently contacted your company 's customer service department to bring this matter to your attention. During these interactions, I have provided all the necessary documentation and information requested, yet the issue persists, and no concrete action has been taken to correct it. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I may have no choice but to escalate this issue further by seeking legal assistance or contacting relevant regulatory authorities. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX Balance : {$8500.00} ; XXXX XXXX  XXXX Balance : {$20000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$1200.00}.

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 2024-01-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief