vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 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:
Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. 
According to15 U.S.C 1666B The timing of payments creditors 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.

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 2024-03-31 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THE ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX ), Creditor Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, MD XXXX, Creditor Phone # : ( XXXX ) XXXX. HAS VIOLATED MY RIGHTS. 


15 U.S.C 1681 SECTION 602 A, STATES : I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A, STATES : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2024-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
I have my mortgage through Dollar Bank and in XXXX I started experiencing financial hardship and had trouble paying my mortgage by a few dollars every month. Every month, I have to call and beg for them to just chill on that XXXX dollars. That we're stretched financially thin because we've been waiting for the house to sell. Now it has - our closing is XX/XX/XXXX. Dollar Bank has levied another late fee of $ XXXX being short a few dollars again and will not forgive this nominal amount of money. I am a mother, a farmer, and franklyI need my {$3.00} every month more than a bank needs my {$3.00} so they can make a buck in interest. I've had a mortgage with this bank for XXXX years... they've profited enough from me. But no, they need to throw on even more late fees to someone who is struggling. This level of greed is criminal. Even I have spent am embarrassing amount of time trying to keep these few dollars because I need them! Regulate banks so that THEY are hassled, not ME, a singular person with no significant resources who's trying to exist in a world where, increasingly, you have to pay for EVERYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: CA

Complaint narrative:
I have made some purchase through Klarna and they did provided 4 installments on XXXX purchase. Three were collected from my temporary digital card. I updated my permanent card and linked my bank account as well to take care of my last installment of XXXX but they havent collected from my account and purposely they assigned it to a collection agency with XXXX USD of late fee. 
I feel humiliated and though I paid the late fee but I feel its a nexus between Klarna and the agency true accord to play with the credit rating of innocent people and unfair trade practice to loot general public and damage the credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act 15 USC 1681 whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. 

According to15 U.S.C 1666B The timing of payments creditors 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.

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 2024-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/year>, when I was trying to transfer money from XXXX XXXX  account to Robinhood, initially I entered {$75000.00} and before I submitted the transfer request, I went to double check my XXXX  balance. With the balance I have, I decided to transfer {$65000.00} and when I switch to Robinhood app, the unsubmitted {$75000.00} interface was gone. So I started over and transferred {$65000.00}. A few days later on XX/XX/year>, my XXXX XXXX  gave me alert that there is a overcheck. 
Then I checked with Robinhood, found that they executed the {$75000.00} transfer which was not submitted, and they will finalize the transfer on XX/XX/year>. I decided to call Robinhood customer service to request them cancel the transfer and investigate this case. However, they refused to cancel and was not able to promise an update from internal investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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:
Amex 04/02/2022

Ally Financial 09/04/2022

Chrysler CapI Tal 09/04/2022

Capital One uto fin 09/04/2022

Nccinc/Naple tons north 09/04/2022

Ally Financial 09/08/2022

Discover Fina Ncial Ser 04/21/2023 

JPMCB card 09/23/2023 
 
Esb/Harley Da vidson cr 01/10/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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:
XXXX, XXXX, and Equifax continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
XXXX, Experian, and XXXX continue to report incorrect information on my consumer report. The account listed as XXXX XXXX  has several inaccuracies which means this account could not have been properly verified. Furthermore any account that is terminated with a balance due the balance should be refunded to the consumer so how is the credit bureaus reporting this account as a collection and charge off. 

High Balance : {$350.00} {$0.00} {$350.00} Last Verified : XX/XX/XXXX - -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit : {$200.00} {$200.00} {$0.00} XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.

( b ) Account termination.

( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.

( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.

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 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I noticed that Comenity Bank/ Kay Jewelers its reporting on my consumer reports as a charged off account that is damaging. Comenity Bank/ Kay Jewelers are required by law to send me a Form 1099-C to both me and the IRS. By failing to provide me with the proper documentation has created complications for me with the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TN

Complaint narrative:
I have contacted TransUnion numerous times about the incorrect information listed on my report. Ive called several times and always told to mail supporting documentation. Ive sent copies of identity theft reports and there isnt a way to upload this information on their site. Everything I send supporting documents they refuse to accept the documents and lie and say they received information from a third party when Im the one who sent it. Ive told them several times about this and that they keep reporting inaccurate information on my report that has been removed with XXXX and XXXX, however TransUnion is failing to abide by The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). If this is not resolved as I have tried to resolve several times, I will be filling a lawsuit and getting an attorney involved due to TransUnion incompetence and unfair credit reporting.

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 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I had a flight booked online from XXXX to XXXX, I decided to delay my flight a month my flight and my moms. I paid the fee to delay the flight and I was given a residual refund the agent told me it was because of the ticket price difference I submitted that online and when I had issues with the form I luckily took screenshots. When I went to the airport on my flight date XX/XX/XXXX I was told my ticket was not valid and did not exist I was forced to pay for a new ticket. I had high hopes Goldman sachs would handle the issue but they did not in my dispute XXXX  recognized the discrepancy gave me a refund but took extra fees, I enquired via email and no one answered me I have called and no one answers. In the dispute XXXX stated I walked into their office and requested a refund. That is not true, if I requested a refund why go to the airport in the first place? I pointed this out to Goldman sachs and pointed out that they gave me a refund mid dispute but Goldman sachs closed my dispute saying I agreed to the terms and conditions. The terms and conditions never included my flight getting completed erased and having to buy a new one. I was dumb founded. When I eventually got a hold of someone in XXXX XXXX I was told I can only handle the dispute via email the phone hotline is for tickets in USA only. They havent answered why I am missing {$110.00} dollars, Goldman sachs stated the original decision will remain because there is no evidence to substantiate the claim even with all the evidence I provided. I have not been able to reach representative of XXXX air via email I have provided that evidence to Goldman sachs. If i was in the wrong then why XXXX refund me in the middle of the dispute? This alone proves to me they realized their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: DISCOVER BANK
State: FL

Complaint narrative:
DISCOVER BANK account number XXXX was opend XX/XX/2014. I contacted Discover and they send me the info showing the info that was used to open this account. 
one problem is the email is not me and the person used his name in the email address. I was depolyed in the XXXX and had no clue of this issue. 

From discover : Additionally, the account was used for local transactions and several payments were made. It is also noted that the email address and phone number included in your CFPB correspondence, XXXX and XXXX, match the email address and phone number provided on your original application. 

I would like this account removed from ALL credit reporting complanys ASAP.

Company response to consumer: Closed with explanation