vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 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: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent XXXX letters dated XX/XX/XXXX and XX/XX/XXXX XXXX to this company requesting verification and the right of this debit but they never responded as requested by the law to provide me the written evidence. On XX/XX/XXXX they responded to me with a negative to give the required proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
Yesterday on XX/XX/XXXX I tried to logon to my account to unfreeze it and no matter what I did it didn't work. 
They asked for my email and social and then when I put the correct info it they said it didn't match their information. 

I tried to change my password and gave what they asked for and they said they would send a verification code by text and it never came. 

I tried the above at least XXXX times. nothing work and not verification codes came. 

I wrote them a letter a month ago and not response. 

I am completely unable to to access my account to unfreeze it and they do not provide any live person technical support and their automated system is not working. This is the XXXX day I have tried and nothing works and you can't get anyone on the phone.

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 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Bought new car in XXXX First payment due in XXXX. Created account online. It keeps sending me to a closed Ally invest account that does not have the car loan on it. Last month XX/XX/XXXX they told me to make the payment by phone and pay an extra fee and the car would show up in my account in a few days. It is a month later and the car isn't in my account. Despite several phone calls and chats with Ally to resolve this, my car loan is still not in my account. They keep telling me to go set up another account with Ally Auto but there system won't let me. I get an error message with a phone number to call and it asks me to verify myself using a telephone number that isn't mine. Have gotten nowhere with Ally to resolve this and I am not paying extra fees to make phone payments every month because some bad online bank can't manage their accounts and processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this formal complaint against the Credit bureaus regarding multiple inaccuracies on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) ( 5 ). 

Details of the XXXX Accounts : XXXX The date opened and the account type are inaccurate. 
XXXX XXXXXXXX The date opened and the past amount due are inaccurate. 
XXXX The date opened and the account type are inaccurate. 
XXXX XXXXXXXX The date opened is inaccurate. 
XXXX XXXX XXXX The date opened, the balance owed, and the payment term frequency are all inaccurate. 
XXXX XXXX XXXX The high balance, balance owed, and payment status are all inaccurate. 
XXXX I have never conducted business with this company. Their reporting is fraudulent and should be deleted from my credit report immediately, per the FCRA. 
Additional Concerns : I was sent documentation claiming they have verified the accuracy of this information with the reporting companies. However, other credit bureaus report conflicting information, further highlighting failure to ensure data accuracy. Additionally, XXXX has a history of updating disputed accounts as verified without conducting proper investigations, which is another violation of federal law. 
To resolve this matter : Delete all disputed accounts listed above from my credit report. 
Provide written confirmation that these accounts have been removed. 
Failure to address these inaccuracies and delete the accounts as required under the FCRA XXXX result in legal action to enforce my rights. 

Thank you for your immediate attention to this matter.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting this formal complaint against the Credit bureaus regarding multiple inaccuracies on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ) and 15 USC 1681 ( i ) ( 5 ). 

Details of the XXXX Accounts : XXXX The date opened and the account type are inaccurate. 
XXXX XXXXXXXX The date opened and the past amount due are inaccurate. 
XXXX The date opened and the account type are inaccurate. 
XXXX XXXXXXXX The date opened is inaccurate. 
XXXX XXXX XXXX The date opened, the balance owed, and the payment term frequency are all inaccurate. 
XXXX XXXX XXXX The high balance, balance owed, and payment status are all inaccurate. 
XXXX I have never conducted business with this company. Their reporting is fraudulent and should be deleted from my credit report immediately, per the FCRA. 
Additional Concerns : I was sent documentation claiming they have verified the accuracy of this information with the reporting companies. However, other credit bureaus report conflicting information, further highlighting failure to ensure data accuracy. Additionally, XXXX has a history of updating disputed accounts as verified without conducting proper investigations, which is another violation of federal law. 
To resolve this matter : Delete all disputed accounts listed above from my credit report. 
Provide written confirmation that these accounts have been removed. 
Failure to address these inaccuracies and delete the accounts as required under the FCRA XXXX result in legal action to enforce my rights. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General XXXX XXXX, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General XXXX XXXX, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.

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 2024-12-12 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: FL

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2024-12-12 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-12-12 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Dear XXXX. 

I am writing to formally dispute a XXXX late payment mark that has been reported on my credit file for my Apple Card account for the month of XX/XX/year>. This mark is inaccurate and resulted from a technical error beyond my control, which I would like to explain in detail. 

I had set up autopay for my Apple Card to ensure all payments were made timely and without issue. However, I recently discovered that due to a technical issue on XXXX XXXX end, my autopay enrollment was unexpectedly XXXX without any prior notification to me. I only became aware of this issue after receiving a notice in my credit report. 

As a responsible borrower, I have always prioritized paying my obligations on time, and I had no reason to believe that my autopay settings were inactive. Once I discovered the issue, I immediately resolved it and ensured payment was made. I have since re-enabled autopay to prevent this from happening in the future. 

I kindly request that you review this matter and remove the inaccurate late payment mark from my credit report. 

This mark does not reflect my true creditworthiness or payment behavior, as the late payment was not due to negligence on my part. I respectfully ask for this error to be corrected at the earliest opportunity. 

Thank you for your time and attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within XXXX  days of receipt of this letter.

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 2024-12-12 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: Chime Financial Inc
State: CA

Complaint narrative:
My chime account was hacked and the company allowed a person to use AI face swap technology to access my account and change the email, passwords and phone numbers on my account. They stole all my savings over {$8000.00} and when I submitted a claim to chime they kept denying my claim even after I submitted all the documentation they requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I have an IRA account with USBANK and requested the funds to be transferred back in XX/XX/year> to XXXX Bank. I have provided the bank information for withdrawal from USBank several times and every time I call USBank states that they have not received any forms from XXXX Bank. I have supplied XXXX fax numbers to Synchrony to fax in the request to USBANK and again USBANK XXXX that they have not received any documentation from XXXX Bank. I walked into the USBANK to have someone look into what the situation is and was told that the documents have not been received from XXXX bank. This was requested from USBANK before my IRA was due to mature. It has since matured and USBANK has locked me in at 0.05 % APY therefore causing me to lose money. If USBANK would of offered me a higher APY I would of stayed with them and not request that a rollover to Synchrony be sent. I have been dealing with both banks since XXXX and neither of them know what is going on. Please advise me as to how to handle this ongoing situation.

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 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-12-12 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-12-12 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: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief