vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from 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 explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
I received Ss XXXX in XX/XX/XXXX due to XXXX XX/XX/XXXX I was not notified until XXXX XXXX XXXX XXXX XXXX told me to ignore all bills ( don't have date handy ) because they only billed XXXX XXXX They said they'd resubmit to XXXX. I'm in contact XXXX XXXX  almost daily as a result of XXXX XXXX This should not have gone to a debt collector! Unfortunately due to my XXXX I have XXXX  XXXX  & didn't know I had to follow up that they did their job! I'm available most days but no one contacted me. This letter is harassment & threatening. I have a lot XXXX XXXX XXXX & keep my phone on mute often m I did not get one voice mail! I will contact a XXXX representative to assist me when I'm able first off I'll try calling you by Friday. I have 2 insurances & took the bill twice to XXXX XXXX XXXX & was told to ignore bills, I called XXXX billing & was told the same. I'd like to have information as who sent it to debt collectors instead of Medicare? Please provide that in response with name & date of service you are requesting payment from. Due to my XXXX my sleep patterns have changed & I'm usually up at night & tired during the day. 
You can email me or call between 3-5. This is wrong & I need to contact the state & office for XXXX which isn't easy to get through. I'm cognitive and able to representative myself but will not pay a debt collector for a bill that # 1 no one can tell me what it's for. # 2 I have Medicare & 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 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposit a XXXX check into my checking account. My balance was then XXXX On XX/XX/XXXX, Navy Federal transfered XXXX and XXXX to my past due credit card balances leaving me XXXX in my account. 

I am on XXXX and I am unable to work until I have a XXXX in XXXX and a XXXX XXXX recovery. My XXXX is only XXXX per month. My rent is XXXX alone. The {$500.00} check was to keep my phone turned on which I will need to contact my doctor. I am also a XXXX. It was also needed for gas and basic survival needs. 

I contacted Navy Federal and explained I was living XXXX XXXX XXXX. I also informed them that : The Fair Credit Billing Act ( FCBA ), which protects consumers from unfair credit card billing practices, rules that banks can not typically seize funds deposited into a consumers bank account to pay off their credit card. According to the FCBA, a card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. The law recognizes that using an offset provision to go after your credit card debt would give the bank some leverage against you. 

However, there are some exemptions to this rule that would allow a bank to take funds deposited to make your credit card payment. For one, you may have authorized your bank to pay off your credit card debt using the money in your checking account. For instance, you might have signed up for an automatic bill payment arrangement. 

In spite of any such arrangement, though, if you dispute a credit card payment and ask the bank not to take the payment from your monies deposited, it would have to heed your request. 

The paragraphs above I sent to my bank and I requested they return the funds. I had stopped automatic credit card payments prior and none had been taken for the last XXXX months. Navy Federal replied that my cardholder agreement allows them to seize funds and refused to return the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I reached out to my bank Marcus on XX/XX/XXXX asking if they would honor a savings rate of XXXX XXXX which I was being offered by a competitor. I was told they would not match rates which was not a problem. I let the representative know that I would be transferring my funds to try and get ahead of any issues. On XX/XX/XXXX I completed a transfer which was reversed by Marcus. When I reached out again to Marcus ( they do not make it simple to reach the department I need, requiring to get transferred and go through redundant verifications with multiple representatives ) I get told that they need to call the institution I am transferring my funds to ask them some questions, we call them and they ask a bunch of questions and all seems good to go. I confirm with the representative that I will be able to complete my transfer without any issues and she assures me. I ask if they need to initiate the transfer or if I should just initiate it online like before. I am advised to just initiate it online again which I do on XX/XX/XXXX and again my transfer gets reversed. I again call, go through their redundant verification with XXXX different representatives to finally be told I am unable to transfer my funds to my new institution because the account isnt a savings or a checking but a high yield cash account. After getting hung up on and having to call back in I get told that the reason isnt because of the type of account but because the account I was transferring into was only a few days old. Again, if I had authorized this and confirmed the account I dont understand why this was an issue. Regardless, I agreed for them to transfer the funds back into my original funding account. They processed my transfer on XX/XX/XXXX and again have reversed my transfer even though now the transfer is going to an account that I have had opened for years, is a checking account and has been linked to this account since inception. Marcus has made it impossible to move my funds and have wasted hours of my time in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-20 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX 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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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:
XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: MA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my frustration and disappointment with the handling of the correction process for a late open account on my credit report. Despite my initial efforts to rectify the situation, the inaccurate information persists, necessitating a second attempt to correct the record. 

To my dismay, the correction process failed to resolve the issue, and the inaccurate late open account remains on my credit report. This oversight has had adverse effects on my credit standing and has undermined my efforts to maintain a positive financial reputation. 

As a result, I am compelled to submit a second dispute in the hopes of finally rectifying this error and ensuring the accurate reporting of information on my credit report. I have attached copies of all relevant documentation, including statements and correspondence with the creditor, to support my claim and expedite the resolution process. 

I urge your agency to prioritize the prompt investigation and correction of the inaccurate late open account on my credit report. It is essential that all necessary measures are taken to ensure the fair and accurate reporting of information to prevent further harm to my creditworthiness and financial standing. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$20000.00}.

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 explanation
Consumer complaint received 2024-03-20 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: FL

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

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 2024-03-20 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2024-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: M1 Holdings Inc.
State: CO

Complaint narrative:
M1 is an online financial services provider and brokerage. I hold a Roth IRA account with M1 that has less than {$10000.00} in assets, and I have been an M1 client since XXXX. Since I signed up in XXXX until now, M1 has not charged monthly fees except to clients who choose to purchase an M1 Plus membership subscription for access to additional features such as trading securities on margin. 

M1 sent me an email on XX/XX/XXXX with the subject line, [ ... ], were making a big change at M1. I will attach the full email to this submission, but in broad strokes it says, We've decided to end our M1 Plus membership program. Our premium features will no longer require membership and will instead be available to everyone who builds and manages their wealth on M1. Starting XX/XX/XXXX, a $ 3 monthly platform fee will apply to clients with less than {$10000.00} in M1 assets or without an active XXXX XXXX. [ ] Based on your current M1 assets as of XX/XX/XXXX, your account will be subject to the monthly platform fee. 

Additionally, M1 charges a {$100.00} ACATS transfer fee ( for in-kind transfers of securities to accounts held at other brokerages ) and a {$100.00} IRA account termination fee. M1s fee schedule can be found here : https : XXXX I believe the imposition of a $ XXXX. platform fee for features I did not request is improper. 

I also believe the ACATS and IRA Termination Fees are junk fees. I am being forced to choose between a $ XXXX. XXXX or paying {$200.00} in transfer and closure fees. 

-- - I contacted M1s client support email later on XX/XX/XXXX to express my concern about M1s imposition of new fees and to request a waiver of the IRA Termination Fee and the ACATS fee. 

I received a response on XX/XX/XXXX from an M1 Client Success Associate saying that, We have passed this feedback along to our team on your behalf. However, M1 is not reimbursing any direct outgoing transfer fees or IRA termination fees. I have attached the email exchange to this submission. 

I have also filed a complaint with my state 's Attorney General 's Office.

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