vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"

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 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Dispute between XXXX, CashApp and XXXX. 

On XX/XX/year> I attempted to sell a pair of XXXX XXXX  on XXXX. 

Someone scammed me. The person 's username is @ XXXX and he said he wanted to buy the shoes. He had XXXX XXXX supposedly message me as I was having trouble accepting his offer. XXXX XXXX allegedly told me I needed to deposit {$200.00} to be a verified seller which I sent through Cash App from my XXXX account. They then said I needed to add {$490.00} and {$500.00} which I did. The texts as emails I received were all with officially branding and seemed legitimate. I then realized it was a scam when I contacted a friend. 

I reached out to XXXX first who is a great bank. They told me they would try and help but it was limited with with that they could do and that in total they charged me the {$500.00} twice plus the {$490.00} plus the the {$200.00} so a total of {$1600.00}. 

I reached out to Cash App to dispute the charges who refused. I asked them for proof of documentation as I am also disputing two other charges with them as I am a victim of identity theft. 

I reached out to XXXX as well who denied refunding the charges. Attached is all the paperwork showing this is a scam. This is not right. How am I out this amount of money while going through identity theft and not one of 3 companies is willing to help. All 3 need to be investigated. I have no trouble involving attorney 's if necessary. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

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 2024-12-04 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-04 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to express my deep concern about the lack of my credit information from your bureau. As a careful customer who regularly examines their credit profile, I am concerned about the recent discovery that crucial information appears to be missing from your records. Despite my proactive approach to managing my finances and making timely payments on all accounts, I have faced major challenges as a result of the absence of my credit data from your bureau. This has not only caused annoyance, but it has also left me in a hazardous position, particularly in light of recent financial transactions and loan applications. I have made repeated attempts to resolve this issue through your customer support channels, but the process has been lengthy and inefficient. As a result, I am experiencing unnecessary obstacles to receiving crucial financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: NV

Complaint narrative:
Formal complaint Regarding Violation of Privacy Laws and Lack of Transparency To Whom It May Concern I am writing to formally address my concerns regarding your organizations failure to comply with privacy laws and your lack of transparency in explaining how you obtained my personal information.

Despite multiple requests, I have not received a clear and detailed explanation of the sources and methods through which you collected and disseminated my data. This lack of transparency not only violates my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable privacy laws but has also caused me significant distress, especially as I am currently battling XXXX. 

Dealing with this issue has been an undue burden, further complicating an already challenging time in my life. As such, I request the following : 1. A complete and detailed report on how my personal information was obtained and shared.

2. Immediate correction or removal of any inaccurate, outdated, or unauthorized information in my report.

3. Assurance that your organization will take necessary steps to prevent further violations of my privacy rights.

Should I not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal action.

I appreciate your immediate attention to this matter and look forward to resolving this issue promptly. 

Sincerely, 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 2024-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I have one money order in the amount of {$1000.00} that has not been reflected to my account at American Honda Finance on XX/XX/year>. The issue has been prolonged for over a month with no accountability from management or the payments department. I have been in communication every week with customer representatives to result in no real resolution. 

Furthermore, due to the failure of American Honda Finance to process this payment and requiring me to seek out a copy to prove this payment was cashed out. I am requesting this {$20.00} payment I made to USPS for getting the requested proof of payment documentation to be credited to my Honda account. This means I am requesting American Honda Finance to credit {$20.00} to my Honda account for causing this financial burden due to the payment 's team mistake. 
Another issue is the payments team unwillingness to review the documentation provided by USPS. Their excuse is the documentation is not readable which shows the complete incompetence or lack of effort to complete their task to read the documentation. I had to read the company 's own account numbers with XXXX XXXX out loud to a customer representative to make them scribe for the payments team what the proof of cash out shows from USPS. The payment has been indeed cashed out by American Honda Finance. it's been deposited to their wells fargo account. I don't understand the issue at all to locate this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-12-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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 accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company 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 2024-12-04 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime Financial, uncertified as Chime bank yet claims they arent a bank, closed my account in XXXX. I attempted to dispute a fraudulent ACH on XX/XX/XXXX via email with Chime and they refused to accept the dispute referencing the account closure. Additionally, they refused to refund the nearly {$12000.00} in my account. Eventually after CFPB intervention they issued a refund check as I had provided all the required documentation. Now, 5 months later, Chime finally accepted my dispute. On XX/XX/year> Chime closed my dispute in my favor and issued a credit of {$20000.00}. Now, Chime is yet again refusing to issue a refund check, stating my account is ineligible for a refund. This company is abhorrent and does not comply to regulatory standards. They have received every document they requested and their agents do nothing more than read from a script.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Request for Account Information Regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing regarding the XXXX XXXX  account referenced above, which is currently reported as charged off. Please note that I am not disputing the account. However, I am following up to request clarification on specific details related to this account for my records. 

Specifically, I would like to request the following information : 1. The date of first payment on this account.

2. The date of last payment made toward this account.

3. The date the account was charged off as bad debt.

This information is essential for my understanding of the account timeline. I would appreciate it if you could provide this information in writing at your earliest convenience. 

Sincerely, 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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Description of Complaint : I am filing this complaint against Citibanks XXXX XXXX branch ( XXXX XXXX XXXX, XXXX, NY XXXX ) and its Branch Manager, XXXX XXXX, for refusing to honor my valid Power of Attorney ( POA ) for my father, XXXX XXXX. My father is gravely ill and has authorized me to manage his financial affairs, yet Citibank has unjustly blocked access to his account, citing a fraud alert. Despite providing notarized POA documentation and supporting materials, the banks legal department has refused to approve my POA, preventing us from accessing funds necessary for mortgage payments, medical expenses, and daily living needs. 

This refusal violates New York General Obligations Law 5-1501, obstructs my fathers financial management during a time of medical crisis, and directly contravenes Citibanks obligations under consumer protection laws. Additionally, the Branch Managers actions, including forcing me to leave the office while assisting my father and ignoring requests from my mother ( XXXX spouse ) to lift the block, demonstrate hostility and disregard for customer rights. These actions also conflict with Citibanks own Code of Ethics as outlined in its XX/XX/year>, 10-K filing. 

I respectfully request that the CFPB investigate Citibanks failure to comply with legal obligations to honor POA documents, unblock the account, and provide access to funds immediately. 

Please see attached for more details

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 2024-12-04 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : 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 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 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 non-monetary relief
Consumer complaint received 2024-12-04 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
I have never been late or missed a payment on the US Department of Education account listed on my report between XX/XX/XXXX and XX/XX/XXXX, as I was in a financial hardship forbearance during that period. Please provide documentation that shows any late payments to support the inaccurate reporting on my account. If you are unable to provide this evidence, kindly remove these alleged late payments from my report.

Company response to consumer: Closed with explanation