vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: IL

Complaint narrative:
Late payments were due to other causes beyond my control. I opened a new credit card account DISCOVER FINANCIAL XXXXXXXX in XX/XX/XXXX. They forced me to merge this account with my existing account in XX/XX/XXXX and they deleted my autopay. I added bank account again on XX/XX/XXXX after the account merger was complete. However, I was unable to set up autopay because of issues with Discover online payment system. On XX/XX/XXXX, I realized that Discover had reported my account to Credit Bureaus for missed payment, when the mistake was solely of Discover. During the last three months, they have failed to communicate with me via email or text or phone about setting up payment on their faulty system, because of which I can not set up autopay. During the conversation on XX/XX/XXXX, Discover financial customer service helped me set up the autopay, which I was unable to do so before. The payment was processed on XX/XX/XXXX and the account is current now. 
Required Resolution : remove late payment from my credit history. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to follow up on my previous dispute, reference number XXXX, which was submitted to your agency on XX/XX/2024. I am deeply disappointed by the lack of resolution and your agency 's continual failure to remove the unauthorized hard inquiries from my credit report. As a conscientious consumer, I have diligently monitored my credit history, and it is distressing to see my efforts undermined by the persistence of these unauthorized inquiries.

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 2024-04-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
My Marcus by Goldman Sachs cd matured. I request and received a physical check for {$320000.00}. I deposited the check into my XXXX XXXX XXXX account. Service contacted me and stated the check was returned uncollectible. I've called XXXX and can't get a straight answer as to why this happened or when it will be resolved. One XXXX representative stated it could take 30 -90 days to resolve. A supervisor stated the investigation will take 1-3 days but couldn't tell when it would be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I have Chime banking. I was sent an email asking if I had authorized transactions. I replied no. They called me after XXXX XXXX I was tired and stressed. The " agent '' said I had something called XXXX, an AI, attached to my account. I couldn't hardly understand him. He said to transfer all my money from my credit account to my debit account. Then he said it had to be sent to another account and then I would get it back. He tried one, someone I didn't know, but a warning popped up. He said " Oh no, that means XXXX is still attached and the money will be taken out tomorrow. I begged him to just wait until tomorrow but he adamantly insisted. He chose another person to send the money to that I didn't know but he said the money would be returned. I couldn't hardly understand him. Now my money is all gone. I can't pay rent or bills. 
I contacted Chime Support 3 times and they have twice denied the dispute. They asked again for more information. I had already sent screen shots of everything. I also sent a letter describing the situation. This wasn't my fault. I was scammed but they won't acknowledge it. I am so upset! Please help.

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

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: IL

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit dossier. Can you verify the paperwork? Several of the mentioned accounts contain inaccuracies concerning reporting, amounts, and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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 reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
On XX/XX/2024 I deposited an amount of {$1200.00} into my SoFi saving 's account from my XXXX account. The deposit name reflects XXXX on the statement which is short for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' who is used for XXXX accounts. The XXXX account was setup for me by my workplace " XXXX XXXX '' and is in my name. Later on XX/XX/XXXX or XX/XX/XXXX I set-up direct deposit with Sofi  which constitutes me switching from my previous bank XXXX XXXX XXXX XXXX to SoFi as I figured SoFi offered more and is a better alternative for my financial service provider. I performed another deposit from my XXXX account on XX/XX/2024 in the amount of {$400.00}. The deposit name matches the first deposit I made from XXXX ( XXXX ). The deposit cleared on XX/XX/2024, but on XX/XX/2024 XXXX froze my account. I called and spoke to someone to aid in unfreezing my account but all that person told me was my account was restricted due to the deposit not being in my name. They weren't able to explain other than that the deposit name doesn't match my name. I informed them that it was a deposit from my investment account and the investment account is in my name. The person informed me that she would turn in my request for review to clear the restriction. XX/XX/2024 I call again because now my direct deposit from my workplace has been rejected due to the restrictions. I spoke with another person and unfortunately I was met with the same lack of care, emotion or understanding as the first person I spoke with. They told me the deposit doesn't match my name. He wasn't able to explain why that matters and I even gave him an example of my direct deposit not reflecting my name which he said would be okay. I have never had a financial institution freeze my account because I deposited money into my account. I would understand fraudulent charges leaving my account, but money deposits? At this point I'm at a loss because it's going to take XXXX days to receive my paycheck, bills are due, my kid 's are running low on food and the stress at this point is piling up. I need help. They refuse to provide a time-frame of how long this will take and as mentioned previously, both associates I spoke with appeared to have XXXX care in the world that this has happened. I understand that it's not them that this is happening to, but customer service is incredibly disheartening considering the reputation SoFi has.

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

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IA

Complaint narrative:
I filed a report against Hunter Warfield I filed a dispute for the absurd charges I was charged from previous landlord for supposed cleaning and illegal HVAC charges. I submitted proof and they NEVER got back to me or responded to my dispute. They sent you all documents but never sent me response or investigated my dispute. They are harassing me with phone calls, but doesnt answer when I call their company.

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

Complaint narrative:
On XXXX, XXXX XXXX a credit account was opened without my authorization or me knowing that the account was opened. I received the credit card in the mail and immediately contacted XXXX XXXX for a resolution. Upon their investigation they insured me the account was open fraudulently. XXXX XXXX submitted a request for removal of the account and inquiry to be deleted from my credit report to the XXXX major credit bureaus. As of XX/XX/XXXX the inquiry still remains on my TransUnion report. I have contacted XXXX XXXX many times and have disputed the inquiry that still remains with TransUnion just as much. The account has been removed but the inquiry still remains. The other two credit bureaus have removed the account and inquiry from my credit report for some time now. I have submitted a letter to TransUnion for further investigation and removal of this inquiry as well as taken steps with XXXX XXXX to see what the hold up has been regarding this issue. I have been told by numerous representatives that they have re-submitted a request of removal to the three credit bureaus and have been told to rest assure the issue has been taking care of throughout the last year and a half. I have taken diligent notes and feel confident that this process should not be taking this amount of time to be removed from my credit report especially since the account and inquiry associated was opened fraudulently.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Without fail, I've maintained timely payments on this account, ensuring they are never overdue. The appearance of late payment remarks on my accounts is confounding. Furthermore, in accordance with 15 USC 1666b - Billing Error, any billing inaccuracies should be rectified

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 2024-04-04 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following creditors have violated my rights under 15 UC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Creditors in Violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-04-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was told XX/XX/2024 it was paid off. It was paid off back in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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:
XXXX claims of a missed payment through their payment plan process invalidly caused my credit score to go from a XXXX on XXXX. XXXX to a XXXX on XXXX XXXX an outrageous XXXX point decrease then several more reports after the initial first one over the next 2 weeks. Why so many reports? why a decrease to that degree? All within a two week span how is this even possible? On top of that XXXX was suppose to take the money out which they didn't automatically, I had issues with the plan in the month of XXXX when they sent me emails saying they hadn't received funds but they really did.

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 2024-04-04 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: CA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXX XXXX XXXX original creditor XXXX XXXX credit card 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 SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A 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 explanation
Consumer complaint received 2024-04-04 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: MI

Complaint narrative:
company has failed to correct my credit report for the late payments submitted by XXXX XXXX XXXX. there continued fraud is causing me alot of issues. we have court XX/XX/XXXX with them would you like to be sued as well? i suggest one last time you remove all late payments posted by that company during the timeframe we have not been delivered what we purchased which is from XXXX and beyond of 2021 the next person to ask you will be a judge. XXXX XXXX did not provide the goods and services to us that we purchased. this is our final demand as we will be Sueing you for damages and our inability to properly use pr credit which is now your fault as well you have been given ohhh 500 pages of documents you should have reviewed ewould you like me to forward you our XXXX in damages we are sueing the bank for i have not figured out what your portion of fault this is but im sure the judge can if you dont immediately make corrections

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 2024-04-04 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: MI

Complaint narrative:
company has failed to correct my credit report for the late payments submitted by XXXX XXXX XXXX. there continued fraud is causing me alot of issues. we have court XX/XX/XXXX with them would you like to be sued as well? i suggest one last time you remove all late payments posted by that company during the timeframe we have not been delivered what we purchased which is from XXXX and beyond of 2021 the next person to ask you will be a judge. credit acceptance did not provide the goods and services to us that we purchased. this is our final demand as we will be Sueing you for damages and our inability to properly use pr credit which is now your fault as well you have been given ohhh 500 pages of documents you should have reviewed ewould you like me to forward you our XXXX in damages we are sueing the bank for i have not figured out what your portion of fault this is but im sure the judge can if you dont immediately make corrections

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 2024-04-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap BANK OF AMERICA Date of Open : XX/XX/2013 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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The emergence of late payment remarks on my accounts is puzzling to me. Moreover, as stipulated by 15 USC 1666b - Billing Error, it is imperative to address any billing discrepancies.

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