vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My daughter and I have been trying to get approved for a mortgage for more than a month. Our mortgage broker at XXXX XXXX XXXX can pull my credit report with no issue but when he pulls my daughter 's credit report it comes up with XXXX credit like she doesn't exist. She has a XXXX credit score and lots of credit so not sure what's going on. We've lost two houses so far because the mortgage broker can't pull her credit report. We finally chased it down to an Equifax issue. Yesterday XX/XX/XXXX we called the Equifax to see what the problem was. It turned out Equifax had a weird combination of my name and her name. We have different last names but they had her last name as mine. Then they have her first and middle name transposed. She has never used the name. The person at Equifax told her to submit a name dispute online. My daughter didn't have an account so she created one with her own email address and got a confirmation.. She then submitted the dispute. The dispute confirmation came to my email address which is completely different than hers. Our accounts should not be tied together at all. She's an adult. I have had an Equifax account online for several years. So yesterday after she does the dispute I get an email address with the dispute number. I go ask her what is this about? They're sending me her dispute information like I'm her. Our email addresses are not combined. Our accounts are completely separate. She checks her email and she didn't get a dispute confirmation. Today we call Equifax back and tell them what's happening. The guy confirms my email address for my account. Then he confirms that her account is attached to her email address. They are preventing us from getting approved for a mortgage and they breached our privacy. It's affecting us financially, physically, emotionally and mentally at this point. I'm XXXX and I've been having a lot of problems so I'm trying to get to a house that is more handicap friendly. I've missed out on XXXX houses so far because we can't get approved for a mortgage. Both of us are locked out of our online accounts so we can't do anything there. Can't even look at our information anymore. I don't know what to do so I could use some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The issue stems from a {$5000.00} deposit transferred on XX/XX/year>, from my Citibank account in New York to the XXXX brokerage account. The purpose of this transfer was to credit funds to my sister 's account, which is held at XXXX XXXX Bank. However, despite numerous attempts to resolve the matter over the past month, the funds have neither reached their intended destination nor been returned to my Citibank account. I call three parties non stop explaining the issue, but they assume I was doing a fraud which I was just trying to solve this issue.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

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

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

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

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

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

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

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 2024-06-14 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: GA

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

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

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

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

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

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

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

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 2024-06-14 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have noticed an account that is in violation of my rights, the FCRA, and the FDCPA. Below is the information regarding the account I am referring to. I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX XXXX. I am not liable for this debt with XXXX  XXXX and do not have a contract with XXXX XXXX XXXX. I am not liable for this debt with XXXX XXXX. They also have let someone make an inquiry using my credit for XXXX XXXX since then when I have a known fraud alert that has been in place for over a year. They did not provide me with the original application as requested. I have also submitted an FTC report about this and they removed it from my credit report, only to reappear under a different name and with an address that I have never lived at. My identity has been stolen twice and I have let them know that with a police report and papers from the IRS. Please review the information above and have it removed immediately, as it violates my consumer rights as well as my FDCPA rights. Thank you!

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 2024-06-14 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: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within XXXX days of submission. However, it has now been more than XXXX days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-06-14 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:
Did dispute with Transunion back in XX/XX/year> this year about information in my credit report. All the phone numbers that are being reported were not mine, except the the newest. I didn't check if the addresses were incorrect. 
Sent the results back and see that they never removed the incorrect phone numbers. They are still there and reporting as belonging to me. 
I want those wrong phone numbers removed. They are not mine, and it is illegal to report incorrect information as correct on a person 's credit report. It is damaging or could cause harm if a creditor pulls my file and sees the incorrect information listed there.

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 2024-06-14 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-14 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: MD

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

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

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: LA

Complaint narrative:
I have a secured chime credit card that I put money on and use and it pays the bill ever month well some how there system had a glitch and it reported the money that I use on the card wich is my money that I prepay on it is that Im in debt allmost XXXX XXXX to chime bank and I dont owe them a penny but some how the money that I put on the card has gone on my XXXX XXXXXXXX report like Im XXXX it debt to chime and I owe them nothing Ive reached out to both chime and the credit reports to fix but have not and it lowered my credit nearly XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: PA

Complaint narrative:
I initiated an ACH cash transfer from my checking account at XXXX XXXX on XX/XX/XXXX to my savings account at Discover. Discover shows the cash received by Discover on XX/XX/XXXX. However, Discover shows that the cash will not be available to me until XX/XX/XXXX - XXXX business days AFTER Discover receives my cash. XXXX cash transfers between XXXX XXXX generally settle and are available between XXXX Business Days after receipt. When I called Discover, the representative was unable to provide a satisfactory response to this question. I need to understand this delay before continuing to do business with Discover. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
To whom it may concern On XX/XX/year> I sent {$1500.00} through zelle to my friend using the phone number ( XXXX ) XXXX. When it didn't go through he informed me that his phone number had been changed. 
I tried to cancel the transfer but it had already gone through. His old phone number is attached to another person at XXXX XXXX XXXXXXXX named XXXX XXXX XXXX. 
I called my bank to see if they can stop the transfer but they said it's already gone it's too late. I was told to request the money back and I did. It has been over 24 hours. 
I went to the nearby XXXX XXXX XXXXXXXX facility and they told me they see the money is deposited into her account but there's nothing they can do about stopping the process. 
I asked if they can notify her of The Accidental transfer and they said no. 
When I tried to call the phone number it is disconnected. I called XXXX and they say it's a bank problem. 
I tried to file a claim through my bank at Navy Federal but they say this is a cash in hand transaction. I don't understand because this is electronic transfer bank to bank. I don't understand why my old friends disconnected phone number is attached to her bank account at XXXX XXXX XXXXXXXX. 
I asked XXXX XXXX XXXXXXXX if they can send her an email of The Accidental transfer but they said no to that as well. I have run out of options {$1500.00} is a lot of money for me please if you can help me I would be forever grateful. 

Thank you and have a blessed day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-14 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:
I withdrew from the term that the company is charging me for. I requested that they validate the debt and they did not send a proper accounting. I requested specific information to which they did not respond accordingly. They not are incorrectly reporting a debt that I do not owe. That must cease and desist immediately, else the next step is litigation.

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 2024-06-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I withdrew from the term that the company is charging me for. I requested that they validate the debt and they did not send a proper accounting. I requested specific information to which they did not respond accordingly. They not are incorrectly reporting a debt that I do not owe. That must cease and desist immediately, else the next step is litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Beginning XX/XX/XXXX I began receiving items from XXXX I did not order. I have a complex password and Multifactor Authentication enabled. Purchases are being made from my XXXX account, the items being purchased appear in my cart but not on my list of orders. I am receiving the strange items delivered to my home and addressed to my name. I did not order these items. 

Approx. XXXX, I called XXXX and explained what was going on. They told me to change my password for XXXX and my Email. I did both. I have had Multifactor Authentication turned on for months prior to this incident. Makes no sense. 

XX/XX/year> I noticed XXXX Bank of America Business Credit Cards, in my name, stored on my XXXX account that I never applied for and had no knowledge of until now. The only information about these XXXX cards is on XXXX. They provide the bank who issued the cards, my first and last name, and the last XXXX digits of the XXXX cards. XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/year> I called Bank of America, gave them my name, the last XXXX of the XXXX credit cards, my social security number, phone number, etc. they have no record of any account in my name and not the XXXX mystery credit cards in my name. Bank of America told me to contact the credit reporting services. Which I did. 

XX/XX/year> I pulled my credit reports online from XXXX, XXXX and XXXX. They show no suspicious activity as of XX/XX/year>. I did see several Inquiries I did not recognize. 

XX/XX/year> I requested Fraud Alert be applied for 1 year from XXXX XXXX After no help from anyone, I decided to file a dispute with the Federal Trade Commission in case something shows up in the future.

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