vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 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 am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information transunion. please delte the following accounts. 
{$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

Complaint narrative:
There appear to be errors in the reporting of certain accounts on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My Paypal debit card gets declined at XXXX and customer service told me that there is a security block placed by the system which can not be overridden. It was declined when I tried to make grocery purchases at XXXX and XXXX XXXX and I was forced to use other methods of payment. 

I can not use my debit card anywhere and it is frustrating that the company does not care or want to help me get my account working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westcreek Financial
State: NV

Complaint narrative:
I was misled into signing a document unaware of the hidden fees to fix my AC in my car. Now bi weekly, I am paying more than I can afford for a loan that was supposed to only cost XXXX which turned into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
To Whom It May Concern, I am writing to file a follow-up complaint regarding an unresolved billing dispute with Ally Credit Card , originally submitted to the Consumer Financial Protection Bureau ( CFPB ) under case number XXXX. While the CFPB marked my case as resolved, the issue remains ongoing, and Ally is not adhering to their commitments or their obligations under the Fair Credit Billing Act ( FCBA ). 
Specifically : Ally informed me that they would remove the disputed amount from my account and that no interest would be charged while the matter was under investigation. 

Despite this, the disputed charge remains on my account, and interest continues to accrue. 

This is a clear violation of the FCBA, which requires creditors to suspend charges and interest on amounts subject to a valid dispute during the investigation process. 

I made payments towards this charge to protect my good credit. 

I kindly request the CFPBs assistance in ensuring Ally complies with the FCBA and resolves this matter fairly and promptly. I am asking for the following actions : Immediate removal of the disputed amount from my account during the investigation.

Reversal of all principle, interest and fees charged on the disputed amount since I filed the dispute. 

A definitive resolution of this dispute, as the charge was improperly reinstated after being reversed in the initial investigation. 

Please advise on the next steps I should take to have this matter resolved. I greatly appreciate the CFPBs intervention and support in protecting consumers from these types of practices. 

Thank you for your attention to this matter. I look forward to your response.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
Im a bit confused here, so I fell behind on my credit card payments back in the summer months of 2024. I had called and spoke to the company on multiple occasions to try and figure out what could be done. So I entered a hardship program with the company and they told me that I would need to only pay {$41.00} per month during the hardship program but what was not mentioned to me is the company y continues to ding my credit reports for the last 6 months as late. 

The payment was not considered late being enrolled in their hardship program. This is biased and not right

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On [ XX/XX/year> ], I discovered that my personal information had been compromised, resulting in the unauthorized opening of these accounts. I did not authorize the opening of these accounts, and I am not responsible for any transactions or debts incurred.

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 2024-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LD Holdings Group, LLC
State: OR

Complaint narrative:
When I refinanced, I didn't understand why my loan switch from a conventional to a FHA loan. I thought qualifying for that type of loan was good for me. The pmi charge was poorly explained to me. Since I refinance, my monthly payments keep going up and at the end of the year, they require a large amount for escrow to cover the pmi. I have contacted the company three times asking for information and help with this matter, but their response is always the same. They can't do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : Formal Dispute of Account [ XXXX ] under the Fair Credit Reporting Act ( FCRA ) Dear Experian, XXXX, XXXX I am writing to formally dispute the inaccurate reporting of my XXXX XXXX account ( [ Account Number : XXXX ] ) on my credit report. The information currently being reported is inaccurate and incomplete, violating the Fair Credit Reporting Act ( FCRA ). 

Specific Issues Identified : 1. Incomplete Payment History : The 24-month payment history for this account is either missing or incomplete for several months in 2024. Reporting No data is a clear violation of FCRA requirements for accuracy and completeness of account information.

2. Inconsistent Status : The account is labeled as a Collection account with a {$4100.00} balance past due as of XX/XX/year>. However, no documentation has been provided to validate this status. 
3. Unverified Balance and Past Due Amount : The reported balance and past due amount are identical at {$4100.00}. These figures lack substantiation, raising questions about their validity and compliance with FCRA standards.

4. Contradictory Account Classification : The account is reported as Closed but simultaneously marked as a Collection account. This contradiction reflects reporting inaccuracies. 
5. Remarks Indicating a Dispute : The account includes the remark Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), yet there is no evidence of an investigation by the data furnisher.

Requested Actions : I respectfully request the following actions : 1. Verification : Verify all reported information with original account agreements, full billing statements, and payment history records provided by XXXX XXXX. 
2. Correction : Update the payment history to reflect accurate and complete data for all months.

Remove the Collection account designation if XXXX XXXX can not provide verifiable evidence. 
Correct discrepancies between the accounts Closed status and Collection classification.

3. Investigation : Conduct a thorough investigation as required under FCRA Section 611 ( a ) and provide a detailed written explanation of your findings.

Next Steps : If the disputed information can not be verified within 30 days, I demand its immediate removal under FCRA Section 611 ( c ).

Failure to resolve this dispute may result in the following actions : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursuing legal remedies under FCRA Sections 616 and 617 to seek damages for harm caused by this inaccurate reporting.

Please confirm receipt of this letter and provide updates on the status of your investigation.

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 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: GA

Complaint narrative:
As a fully XXXX veteran, I find US Bank 's actions absolutely appalling. US Bank 's response to my CFPB report XXXX, has patently false and fraudulent information presented. They state that " online access was restored on XX/XX/XXXX '', however this is a complete fabrication of the facts as I was still locked out of the account all day of XX/XX/XXXX and even their own customer support said it would be locked out until XX/XX/XXXX and XXXX representative said I would regain access on XX/XX/XXXX. US Bank 's response also stated that they reviewed their " customer service for accuracy '' and that their " bankers acted professionally and provided accurate information '', however their own customer support specifically contradicts the claim that I would regain access on XX/XX/XXXX. Both these statements in their response can not be true. I formally request all recorded calls I made to US Bank regarding this issue be presented to the CFPB as well as a log of all my logins and failed logins due to locked account, so they can see this fraudulent statement for what it is. US Bank 's statement is a disgraceful farce to the banking industry, the CFPB, US Bank 's customers, and most of all, to XXXX veterans like me that served their country honorably.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I have been depositing my life savings into Marcus ( by Goldman sacs ) savings account since more than a year. I have more than XXXX in that account. 
Recently, for the very first time ever that I tried to withdraw some money for a car purchase. It did not work out so i ended up with financing the car instead. 

When i tried to login at a later time the account said it was locked. I called multiple times to understand why it was locked with NO communication from their side. 
First time i was told it was a weekend and i need to call back on a weekday. And also they cant provide me information on why they locked it. 
When i called on a weekday i was told that the account was closed, and they cant provide me the reason why it was closed. 
I asked them to provide when they will be transferring back my funds and how would they be doing it. They said i will get a callback in 2-3 business days. I did not get any call back.

I waited for 5 business days and called them back myself, and they repeat the same lines saying it will take 2-3 business days. They also mentioned they don't know if they would transfer my money back via a check or direct transfer to the original linked bank accounts from which i transferred the money into Marcus throughout the months.

I asked them can i choose an option and they said i cant. I asked them what if the check is lost what security measures are they taking and they had no answer.

Overall, my account is closed, they are holding my funds, not giving me answers on when i would get back my hard earned money and IF they would be transferring the money back to me, whether that would be in a secure way or not.

I am tired of calling them multiple times. They asked me to verify my name, social, address, sent verification codes to my phone etc. Ive passed through all their verification/security checks to end up at the last with no answers. 

I would greatly appreciate any help in getting my funds back into my accounts. Please reach out to me if you need anymore information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I reviewed my consumer report and previously informed your agency on XX/XX/2024 about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Went through changing it to try to have this removed from XXXX XXXX being on my credit and harming it and according to the fcra it needs to be removed because it does show closed it has a balance and a pay history and in the remarks it even says closed and they want to leave it there until 2029. Against all fcra regulations this should be deleted even as a good will deletion. Every time I contact them to dispute it they always come back with the same scenario they contacted them it's correct when it's not and they know it is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Went through changing it to try to have this removed from XXXX XXXX being on my credit and harming it and according to the fcra it needs to be removed because it does show closed it has a balance and a pay history and in the remarks it even says closed and they want to leave it there until 2029. Against all fcra regulations this should be deleted even as a good will deletion. Every time I contact them to dispute it they always come back with the same scenario they contacted them it's correct when it's not and they know it is not.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX  Account Number : 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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief