vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have filed a police report and ftc report that's included in my uploaded documents pertaining to these fraudulent inaccurate unauthorized accounts by the fcra states that unauthorized fraudulent accounts an address has to be deleted immediately in a timely manner also as required by the FCRA S 605b ( 15USC S 1681c-2 ) which states to be deleted in 4 business days please delete XXXX XXXX XXXXXXXX Account # : XXXX {$21000.00} date opened XX/XX/year> Account # : XXXX amount {$20000.00} date opened XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NM

Complaint narrative:
I filed a dispute on XXXX for money stolen from my account. I got a new card issued to me and a provisional credit back. Then today XXXX, I find out that everything was denied and the money was taken from my account from the bank. I've called and went into the bank, and it seems like nobody can help me. They're taking money I've worked hard for, and now the bank is stealing my money? I need help getting my money back please.

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 2024-08-13 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/2019 ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-08-13 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: WI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time. The consumer reporting agencies have a responsibility to report all information with complete accuracy. This account has not been late on payments I've attached a cope of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting that you investigate and provide verifiable proof with records showing that I had late pavments. If this information can not be verified I demand that these late payment be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
Per Fair Credit Reporting Act credit reporting agency must eliminate any associated information as they did not provide validation evidence by required time.

Reporting Agency failed to provide me with evidence to support that the inquiries were " factual " within timeframe and I did not receive requested evidence from either the companies or credit reporting agency regarding the dispute. I disputed this three times and no answer related to requested information.

Credit Information is still inaccurate despite advising of unauthorized inquiries, inaccurate personal information listed and despite account history were updated to reflect no missed payments bureau failed to update account status to pays account as agreed and history to no missed payments as required per 15 USC 1666B ( A ) where consumer 's paying history is private and needs written consent from my end to 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 2024-08-13 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: MO

Complaint narrative:
Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Also I need a copy of the original contract. following account ( XXXX XXXX XXXX ) is reporting a balance of ( {$1200.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form 1099C as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$1200.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove these accounts and update late payments accounts which are listed in the letter and in the FTC immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Account was forced closed by Bank of America.Bank of America charged off my account which was a violation of 15 USC 1601.Then information was provided to a third party XXXX XXXX which is violation of 15 USC 1602p.Bank of America denied access to my securities 12 Usc 1431.Bank of America violated The Equal Credit Opportunity Act also Consumer Credit Protection Act. By reporting information to Third party XXXXXXXX XXXX  caused a violation of 15 USC 1611 false misleading denial of credit at other financial institutions. Which in part caused denial in consumer transaction of unlimited credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was routinely checking my credit report and noticed that I had a balance from a collection account in the amount of ( {$530.00} ) from creditor TRANSWORLD SYSTEMS being collected by XXXX XXXX. I contacted both in order to try to get the collection removed. TRANSWORLD said they have no account anymore and are not collecting the balance but it still shows on my report and is negatively affecting it. I am furthermore concerned about my information being in the hands of criminals. XXXX XXXX advised me to report identity theft/fraud through the FTC and file a police report so legal action could be taken and the collection could be removed from my reports. XXXX XXXX informed me that the account was created at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX under the account number XXXX. These criminals also have my father 's information which is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-13 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: AL

Complaint narrative:
I reached out to the credit bureaus and asked for the verification of the information and was told that the bankruptcy court verified the information. Bankruptcy supplied me with a letter stating that THe bankruptcy court oldies not supply either credit bureau with personal information nevertheless any information. When I mention that I had a consumer Law Attorney! I was then told my the credit bureau that a third party supplied them with the information. I gave no one permission to buy, sell or obtain any personal information or information. The information has to be provided by the actual creditor or bankruptcy court itself to the credit bureau. I have reached out to a Consumer Law Attorney for further guidance as well. I have been going back in forward for a very long time. Also, XXXX keep saying that my account is fixed. I cant even review anything thats on my credit without going through the XXXX portal that I have to pay {$24.00} a month for, which then leads me back to XXXX. I just reached out to them today to ask for them to delete my entire account so that I can be able to set up a new one to keep a check on my credit 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 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Have had my credit file frozen for " safety '' Applied for a new credit card and need to unfreeze the account Since I last accessed it, Experian has changed the log-in process ( it was formerly a long PIN number and your email ) It refuses to acknowlege either my older email associated with the account or, when I tried to log in with a new email, it tells me that that email is already connected to a different account. Calling them only connects you to a phone chat bot that can not fix the issue and will not allow access to a human to discuss

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 2024-08-13 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: GA

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-08-13 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: GA

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

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 2024-08-13 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: TX

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a 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 non-monetary relief
Consumer complaint received 2024-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 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 2024-08-13 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: FL

Complaint narrative:
I have filed disputes to all XXXX credit bureaus since XXXX  about my student loan, which is in good standing. They have my student loan listed as in good standing and in closed and default? How can that be? For 5 years I have been fighting these XXXX XXXX to fix my credit report and yet nothing! As a single mom that is also a XXXX  XXXX XXXX  this is just another form of abuse towards me that is preventing me from buying a house for my daughter and I! I have filed disputes numerous times to get this fixed and they keep saying to call student loans which say it is in good standing. Please help me this Id XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I opened a SoFi savings account on XX/XX/XXXX and deposited {$500.00} from my XXXX XXXX bank account. This transaction went through without a hitch.

SoFi 's app told me that I needed to deposit at least {$5000.00} OR set up direct deposit in order to qualify for their high-yield savings rate. So I decided to transfer additional funds from my XXXX XXXX XXXX brokerage account to achieve this. 

On XX/XX/XXXX, I added my SoFi as an external bank account into my XXXX account. I have multiple brokerage accounts with XXXX with balances that I was advised by my XXXX to put into a high-yield savings account, so I initiated three ACH fund transfers from XXXX XXXX SoFi to do this. 

On XX/XX/XXXX at XXXXXXXX XXXX, I received an email from SoFi saying that I had unlocked the promotional APY on my savings account, due to meeting the qualifying deposit amount. 

On XX/XX/XXXX at XXXXXXXX XXXX, I received another email from SoFi saying that my account had been restricted due to " irregular activity on your SoFi bank account. '' They told me to call them by phone and talk to their Security team.

When I called the number provided and connected with the Security team, they told me that I had transferred funds " from an account that doesn't have my name. '' My XXXX brokerage account is in fact in my name. 

The agent then told me that they would request that my account be unrestricted. I asked how long this would take and he said he didn't know. He then instructed me to check my account ( at an unknown time ) for updates, and to call back if it was not corrected. 

SoFi did not request for me to take any action besides calling them and talking to customer service. 

I still do not know when my money will be returned to me. These funds are part of my emergency savings and the entire point of keeping these funds liquid in a HYS instead of in securities held in my brokerage account was to have immediate access in the event of an emergency. I'm very confused that SoFi didn't provide any notice about sending funds from XXXX, which I would assume is expected practice as part of opening a savings account. I'm also horrified that SoFi can not provide a SLA on expected return of the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-13 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: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via CREDIT KARMA. I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. XXXX, XXXX, XXXX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction. 
I am OPTING OUT of CREDIT KARMA -12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by CREDIT KARMA

Company response to consumer: Closed with explanation