vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2024-07-23 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: AL

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I initiated an ACH transfer to transfer {$4000.00} USD from my SoFi Bank checking account to my XXXX business account. The funds were successfully debited from my SoFi account on XXXX, but then I received a call from XXXX Bank saying they could not verify the external account belonged to me and the ACH transfer was not successful. I later sent them a statement proving it was my account, and can now make future transfers between the two, but that $ XXXX transfer failed and is stuck between both banks. 

I have spent 8+ hours on the phone calling both banks about the issue. XXXX Bank tells me there is nothing they can do as they never accepted the ACH and I need to file a dispute with SoFi for the incomplete transaction for SoFi to credit the funds back into my account. When I file a dispute with SoFi, they say they researched and found no errors. What? So they just get to keep my money? Scummy and poor customer service to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: ND

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-07-23 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: ND

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent multiple requests to remove addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.Experian requested to have a copy of my drivers license and I sent the information, but Experian has not removed this information. 

I have sent 5 letter to have this information removed, but they have not complied. This has cause unspecified damages for my pain and suffering. 

They have continued to furnish this incorrect and invalid information.

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 2024-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
I walked into my health club and canceled my membership because I was leaving the state for work. Months later I kept getting emails and calls about a past due payment so I was bullied into paying {$79.00} and then I received a pending cancellation letter via email from the health club facility. I work in a hospital and do not have the ability to answer my phone every time it rings but I keep getting calls from the health club saying my payments are past due. When I try to call back I get disconnected because I tell them this is already resolved. Today I get an email saying they sold my debt to collections and I will be in collections. So I was finally able to get ahold of ABCXXXX fitness and they say I have to pay them another {$230.00} to settle the debt thats been accruing since I canceled my membership which they never canceled per my multiple request. These bad business practices need to be abolished. Companies can not go around threatening peoples credit scores for more money because they are greedy and bullies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: AZ

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

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 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX number is XXXX and claim number is XXXX I shouldn't have got billed from the {$2.00} by it self into two different billed charges and {$28.00} they have added the {$2.00} in the {$28.00} but they billed me for the {$2.00} again for no reason and I have contacted the customer agent by support on XXXX telling the issue but they couldn't refund me for both payments I want a refund for both payments etc. Update I only got temporary credit for {$2.00} and then a temporary credit for {$2.00} total I got was for {$5.00} and I never got the full credit for {$25.00} I am disputing that full amount too as wrong amount so that amount need to be credit in my account for {$25.00} because I told the agent who open both disputes I am dispute the whole amount for {$2.00} and {$25.00} I didn't get the {$25.00} credit please add it to my account My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX please dispute the whole amount for {$25.00} and give me a credit for that amount to {$25.00} and reference number is XXXX and reference number is XXXX etc.

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 2024-07-23 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:
Re : Request for Removal of Bankruptcy from Credit Report I am writing to formally request the removal of a bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy can be reported for no longer than ten years. However, XXXX  XXXX bankruptcies can typically be removed after seven years from the date of discharge, and XXXX XXXX bankruptcies can remain for seven years from the date of filing. 

The bankruptcy in question was filed on XXXX XXXX 2017 and was discharged on XXXX XXXX,2017 and it has now been seven years since the discharge date. Under Section 605 ( a ) ( 1 ) of the FCRA, the credit reporting agencies are required to remove this information from my credit report after seven years.

The details of the bankruptcy are as follows : - Bankruptcy Case Number : XXXX XXXX Filing Date : XXXX XXXX 2017 - Discharge Date : XXXX XXXX 2017 Given that the seven-year period has elapsed, I kindly request that this bankruptcy be removed from my credit report. Enclosed, you will find a copy of my credit report highlighting the bankruptcy entry, as well as documentation verifying the date of filing and discharge.

Please provide written confirmation of the removal of this bankruptcy from my credit report within 30 days of receipt of this letter. Should you need any further information or documentation, please do not hesitate to contact me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXXXXXX

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Request for Removal of Bankruptcy from Credit Report I am writing to formally request the removal of a bankruptcy entry from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a bankruptcy can be reported for no longer than ten years. However, XXXX XXXX bankruptcies can typically be removed after seven years from the date of discharge, and XXXX XXXX bankruptcies can remain for seven years from the date of filing. 

The bankruptcy in question was filed on XXXX XXXX XXXX and was discharged on XXXX XXXX and it has now been

seven years since the discharge date. Under Section 605 ( a ) ( 1 ) of the FCRA, the credit reporting agencies are required to remove this information from my credit report after seven years.

The details of the bankruptcy are as follows : - Bankruptcy Case Number : XXXX - Filing Date : XXXX XXXX XXXX  - Discharge Date : XXXX XXXX XXXX Given that the seven-year period has elapsed, I kindly request that this bankruptcy be removed from my credit report. Enclosed, you will find a copy of my credit report highlighting the bankruptcy entry, as well as documentation verifying the date of filing and discharge. 

Please provide written confirmation of the removal of this bankruptcy from my credit report within 30 days of receipt of this letter. Should you need any further information or documentation, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached 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 2024-07-23 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding Citi Banks handling of my funds, which are being held up beyond the regulated timeline. On XX/XX/XXXX, I received a refund of {$150.00} for a purchase. The bank held this refund for longer than the governed regulation timeline allows. Additionally, they are now holding a deposit of {$61.00} tied to this refund. 

XXXX XXXX XXXX  has confirmed that they released the hold on the original transaction date, XX/XX/XXXX. It is now XX/XX/XXXX, and my transaction is still pending beyond the regulated time frame for pending authorizations to be released. 

When I call Citi Bank customer service to speak with the XXXX response team, I am told they are unable to transfer me. As recently as today, the representative suggested I speak with the fraud department, the same department that discriminated against me regarding a previous CFPB complaint and an XXXX complaint I filed. 

I request immediate assistance to resolve this matter and to release the pending funds according to regulatory guidelines. 

I have emails from XXXX XXXX stating the funds shouldnt have been held as theyve released and refunded the hold and transaction over XXXX days ago. My account is manually being handled by the fraud team, and caused a lot of trouble for me at the beginning of account opening. I am still being discriminated upon and mistreated while my funds are being held. 

As you can see the transaction for {$150.00} was initiated on XX/XX/XXXX and I did not receive this until XX/XX/XXXX after calling to inquire. I am now going through the exact same thing with my pending hold.

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 2024-07-23 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: AZ

Complaint narrative:
XXXX, XXXX and Equifax all have misinformation on me. 

Social Security Numbers ending in XXXX, XXXX, XXXX, and XXXX are not mine. 

XXXX XXXX is not my spouse XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are addresses I ever lived in. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of these are my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: AL

Complaint narrative:
I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fraud happened on my account. I think someone stole my debit card number and used it to steal money from me. As soon as I noticed it, I called bank and reported it. I told them I still had my card that I did not lose my card. I told them I believe that someone stole my debit card numbers. After their 7day investigation I was told I would not get my money that was stolen back and that it was not fraud because I still had my card and because I knew where the charge was. I knew where the charge was because it is listed on the item description of what the card was used for! The date of these charges was XX/XX/XXXX. It was 2 charges. {$460.00} and XXXX. I can not believe that they would think I magically went from Indiana to Wisconsin and made these purchases! I have never been to Wisconsin! My money should be protected from people stealing my card number!

Company response to consumer: Closed with explanation