vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent.. Nor is this account reporting consistently across the major 3 Credit Reporting agencies XXXX XXXX XXXX XXXX XXXX is reporting Unknown as a description of my payment history and has changed history that doesnt show consistency.. Please Explain how history is unknown..for it is not a reporting Status

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX is Also Refusing to Re-Investigate According to15 U.S.code 1681a & b Theres no written consent.. Nor is this account reporting consistently across the major 3 Credit Reporting agencies XXXX XXXX XXXX XXXX XXXX is reporting Unknown as a description of my payment history and has changed history that doesnt show consistency.. Please Explain how history is unknown..for it is not a reporting Status

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 2024-02-01 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: TX

Complaint narrative:
I am writing to officially contest the inaccurate and misleading details recently uncovered in my credit report. Upon receiving a notification regarding unauthorized and unverified accounts associated with my credit profile, I was dismayed to find that this credit bureau had not conducted the necessary due diligence to validate these claims. Instead, an automatic notation was added without providing any reference or supporting documentation. 

This failure to verify has significantly impacted my credit report, leading me to take legal action by filing a police report concerning these unauthorized accounts. In accordance with consumer law and regulations set forth, I insist on a thorough investigation that was not accurately conducted. 

As outlined in 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the FCRA specifies procedures for contested information. Subsection ( 5 ) explicitly mandates that if, after reinvestigation, information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

I draw attention to 15 U.S. Code 1681n - Civil liability for willful noncompliance, emphasizing consequences for failing to comply with the FCRA. Any person obtaining a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I demand that you delete all the accounts listed below immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your immediate attention is crucial. Please acknowledge receipt of this dispute and inform me of the steps being taken to rectify the inaccuracies.

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 2024-02-01 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: TX

Complaint narrative:
I am writing to officially contest the inaccurate and misleading details recently uncovered in my credit report. Upon receiving a notification regarding unauthorized and unverified accounts associated with my credit profile, I was dismayed to find that this credit bureau had not conducted the necessary due diligence to validate these claims. Instead, an automatic notation was added without providing any reference or supporting documentation. 

This failure to verify has significantly impacted my credit report, leading me to take legal action by filing a police report concerning these unauthorized accounts. In accordance with consumer law and regulations set forth, I insist on a thorough investigation that was not accurately conducted.

As outlined in 15 U.S. Code 1681i - Procedure in case of disputed accuracy, the FCRA specifies procedures for contested information. Subsection ( 5 ) explicitly mandates that if, after reinvestigation, information is found to be inaccurate or unverifiable, the consumer reporting agency must promptly delete or modify that information and notify the furnisher accordingly.

I draw attention to 15 U.S. Code 1681n - Civil liability for willful noncompliance, emphasizing consequences for failing to comply with the FCRA. Any person obtaining a consumer report under false pretenses or without a permissible purpose may be liable for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

I demand that you delete all the accounts listed below immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your immediate attention is crucial. Please acknowledge receipt of this dispute and inform me of the steps being taken to rectify the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VW Credit
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable item that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. Also I received your computer-generated letter stating that you not proceed with my investigation on my credit because in their opinion the letters were sent out by a third-party credit repair agency. I believe it to be a blatant violation of the FCRA. I submitted my government issued ID, social security card, as well as mail showing proof of address. I feel this was a stall tactic on their end to hinder me from being about to question the inaccuracy of this item on my credit report. I was the one that written the and mail them out not a third-part. Please have them verity the accuracy of this account and send me a proof of the master promissory note or signed contract regarding this XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: OR

Complaint narrative:
I listed my truck for sale and a gentleman in Kentucky answered my ad and said he would like to purchase my truck he said he was going to send me a certified cashier 's check which he did and the amount of XXXX XXXXXXXX I deposited that check into my bank and the teller told me it usually takes two business days to clear so it should be posted to your account by Tuesday I deposit it on Thursday evening. 
This morning Wednesday XX/XX/XXXX I get a notification that my bank is overdrawn by XXXX because yesterday Tuesday I saw it had cleared and I paid a couple of bills off When I contacted the buyer they sent me this check he stopped responding to me and said I was a liar I contacted the company on the check they said I was the third or fourth person that had contacted them and they advised me that these are fraudulent checks and they refused to pay them now I'm going to be liable for over XXXX} negative on my checking account I'm just a single lady I can't do this I don't know what else to do I've never been scammed like this

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 2024-02-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
I was seeking to repair my credit by utilizing a credit building account with Self Financial. They require that you submit collateral for a CD which is placed in an interest bearing account. You make monthly payments which are then reported on your credit report. I never submitted the required collateral, as required by the agreement and they reported my " account '' as 30 & 60 days past due respectively because I didn't make any payments. But I didn't make any payments because I hadn't submitted the required collateral payment to fully execute the contract. This was XX/XX/2018. This is ruining my credit. I don't owe these people any money because I never received a CD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I DID NOT RECEIVE ANY GOODS OR SERVICES FROM THESE INQUIRES. I DID NOT REQUEST FOR MY CREDIT TO BE PULLED AND ACCESSED TO THE FOLLOWING COMPANIES. BLOCK AND REMOVE THEM.

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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-02-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies to XXXX XXXX XXXX XXXX XXXX Upgrade Inc. XXXX XXXX XXXX XXXX, through the dispute resolution process, providing all necessary supporting documentation. Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XXXX, my Avant mastercard was charged by XXXXXXXX XXXX XXXX XXXX  for the amount of XXXX  and on XX/XX/2023 my Avant mastercard was charged by XXXX XXXX XXXX XXXX for XXXX 
I have disouted the charge of XXXX  with Avant over 90 days ago. They placed a credit for XXXX  on my credit card and then reversed it. 
During the time the charge of XXXX  was actively being disputed, I received a new Avant card which I have not yet activated and on XXXX another charge from XXXXXXXX XXXX XXXX XXXX came through for XXXX 
My card is still being charged even though I have not even activated it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 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: KY

Complaint narrative:
I was in the process of trying to co-sign for an individual but couldnt do so because I had unfair and unusual credit reports on my account which didnt make me a qualified applicant at the time. 

Upon discovering the fraudulent entries, I have taken immediate steps to rectify the situation. I have reported the fraudulent activity to the credit bureaus and have initiated the dispute process to have these inaccuracies removed from 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 explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Late payment of concern : XXXX XXXX XXXX I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the late payments on my account. I have been a conscientious customer with your company since XX/XX/XXXX, and I am reaching out to request your understanding and assistance during these unprecedented times. 

Due to the economic challenges brought about by the pandemic, I unfortunately experienced a job loss, leading to the depletion of my savings as I navigated this difficult period. As a result, I encountered difficulty in making timely payments on my account with your company. 

I want to emphasize that I have made numerous attempts to address this issue by reaching out to your customer service through phone calls and written correspondence. Despite my efforts, I have not been able to find a resolution or receive guidance on how to navigate my financial hardships in relation to my account. 

I kindly request your understanding and compassion in considering the circumstances that led to the late payments. I am seeking your assistance in removing the late payment entries from my credit report, as I am actively working to stabilize my financial situation. 

I understand the importance of meeting financial obligations, and I am committed to restoring my account to good standing. However, I believe that the removal of these late payment notations would greatly alleviate the impact of this challenging period on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi has one of the worst account opening systems I have ever experienced. THEY DO NOT LET YOU ACCESS YOUR NEW ACCOUNT AFTER OPENING IT. You open the account online, fund it, then click the button to link it to your existing profile with your credit card. It will NOT allow you to do so. There is no way to utilize the account until after you receive the debit card weeks later because you can not access ANY FEATURES OF THE ACCOUNT OR ANY FUNDS YOU HAVE PLACED IN THE ACCOUNT AT ALL, THEY SIMPLY HOLD EVERYTHING FOR WEEKS ON END WITH NO RECOURSE. If you call the call center they will tell you there is nothing they can do, a supervisor ADVISED ME TO CLOSE MY ACCOUNT and told me there was NO WAY TO GET HELP AND THEY HAD NO KNOWLEDGE OF IF THERE WERE BRANCHES, USELESS! Citi is an absolutely disgusting bank that is seemingly opening shell accounts like XXXX XXXX! Watch your identity!

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 2024-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had being scammed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
This company has been hounding me about a debt that has already been paid for and I have attached below proof that the debt is not owed as it has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a credit card on XXXX XXXX store. The statement and the card got to my after the due date but nevertheless I paid for the products I purchased. However, the company charged me late fees. I told them that it was not my fault receiving the statement after the due date and requested to cancel the credit card and wave the late fees. Company did not cancel credit card and it has been charging late fees and interest that now amount to {$190.00}

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 monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-02-01 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief