vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Opened a checking account with Citibank online. Deposited {$2000.00}. Paid 3 bills all returned for XXXX because I did not realize they held deposits for 7 days. Sent XXXX to my husbands bank then tried to transfer to his account free but they wouldnt let me. I had to wire money 4 times which caused me to pay a wire fee of {$35.00} which I want refunded for. Then I requested XXXX wire transfer and someone from Citibank called me and interrogated me with at least 35 questions which I answered, then I received an email they canceled my wire. Next they locked my account. I personally went to a branch office in XXXX, Va XXXX miles to get my funds. I brought drivers license, check book, and answered all the questions for the lady helping me but they would not unlock my account. We have 2 retirement checks to be deposited on the XXXX and will have to wait 30-60 days. I have never dealt with any bank like this 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 2024-04-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
ILOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit 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 2024-04-30 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 recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

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 2024-04-30 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

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 2024-04-30 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  has correctly updated the status of my XXXX XXXX XXXX with a balance of XXXX. Transunion seems to be having trouble updating my credit report correctly after I have and XXXX have provided documentation that my balance is XXXX. I literally received seven pages of a waste of paper on XX/XX/year> still showing an incorrect balance for the XXXXXXXX XXXX XXXX I filed the complaint with CFPB on XX/XX/year>.

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 2024-04-30 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: SC

Complaint narrative:
On my credit report there is an account in the amount of {$2400.00} from a school I attended. I did not recognize the balance on my credit report, because I know that I received student loans and grants for my tuition and school costs. I did not have to pay anything out of pocket. I proceeded to request from the collection agency a copy of proof of the debt with my signature to show my responsibility for the debt. Initially this debt was disputed XXXX, again in XXXX, and again in XXXX, due to receiving dispute results from the collection agency stating that the debt the company has verified that the balance is correct, and the account is being reported correct. I am sorry, but that is not what I asked of them, and it definitely is not providing me with the proof of the debt. I finally decided to dispute the debt directly with the collection agency by mail, and they sent me a letter on their letterhead showing the school 's name, account number, and the account balance. Again, this is not the proof I requested because I did not enter in any agreements with this agency, and I have no knowledge or dealings with them. I did not owe this school anything, and I feel that this is negatively impacting my credit score, and I am trying to resolve the matter in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2024, I purchased a musical instrument from an online retailer called " XXXX, '' which appears to have been a misspelling of " XXXX. '' I trusted the transaction because the payment was processed through Affirm, which typically assures a level of merchant credibility. 

After completing the purchase, I received a confirmation via a generic XXXX account, which initially did not raise concerns. However, when no information about the shipment was forthcoming and my subsequent inquiries received no responses, I revisited the site to find it was no longer operational. I reported these issues to Affirm immediately, emphasizing my inability to contact the merchant and the disappearance of their website. 

Affirm initiated an investigation, which concluded on XX/XX/2024. The outcome stated that " the merchant did not act outside of their policy '' and held me responsible for the full payment of the loan. This decision was communicated without any substantial evidence of a thorough investigation, and it ignored the critical fact that I had not received the purchased item nor had any contact from the seller post-purchase. 

I suspect that the investigation by Affirm was insufficient and did not genuinely address the potential fraud involved. As a result, I am facing the financial burden for a transaction where the goods were never delivered, and the seller seems to have engaged in deceptive practices under the oversight of Affirm. 

I am seeking the CFPB 's assistance in this matter for a fair resolution, which should include the cancellation of the loan and a re-evaluation of Affirm 's practices regarding merchant validation and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
XX/XX/year> {$5.00} margin call I contacted sofi XX/XX/XXXX to settle a dispute with funds being transferred from an incorrect account. I was told " someone will reach you shortly to resolve this issue because it was a different department ''. I have since tried to login to check to see if changes were made without recieveing contact from SOFI. I have not been able to access my account. Also, I have tried tk reset my password to see if this would allow me access to the account using my information on file 4times, and have not received an email to reset

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
SHELLPOINT HAS ASSIGNED MY HOME TO FORECLOSURE WITHOUT RESPONDING TO MY XXXX  OR DEBT VALIDATION. THEY ARE ALSO GUILTY OF DUAL TRACKING.. I CONTACTED THEM ABOUT A LOAN MODIFICATION AND THE EMAILED ME A WORKOUT PACKAGE LESS THAN 60 DAYS AGO. I COMPLETED THE PACKAGE AND RETURNED. I ALSO CONTACTED XXXX XXXX XXXX  AND APPLIED FOR ASSISTANCE. NEWREZLLC .DBA SHELLPOINT MORTGAGE SERVICING, SIMULTANEOUSLY PROCEEDED WITH FORECLOSURE WHILE COMMUNICATING WITH ME IN EMAILS AND PHONE COMMUNICATION ABOUT A LOAN MODIFICATION. THIS CLEARLY DEFINES DUAL TRACKING AND FEDERAL LAW RESTRICTS DUAL TRACKING.. I SENT A NOTICE OF ERROR AFTER 90 DAYS FROM SENDING MY FIRST XXXX  THAT I SENT XXXX XXXX. I ALSO QUESTIONED THE ASSIGNMENTS AND TRANSFERS FILED IN XXXX XXXX COURTS, THE ASSIGNMENTS ARE ROBO SIGNED AND FRAUDULENT. THEY HAVE NOT RESPONDED TO ANY OF MY DOCUMENTS. 
I ALSO HAVE BEEN PAYING PMI INSURANCE FOR OVER 10 YEARS AND THEY WILL NOT REMOVE IT OR ADDRESS ANY OF LETTERS CONCERNING THE PMI,, THEY REFEREED MY LOAN TO THE LAW OFFICE OF RAS FORECLOSURE,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: WV

Complaint narrative:
Credit collection service at XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX First of all these insurance companies do this making it impossible to get a fair rate it's sort of like insider trading we're going to say didn't pay his bill put it on his credit report and then we can cause him to have a higher rate because of what we put on his credit report fraud at its finest. 
XXXX made me pay my past due policy in full before they ever gave me my new motorcycle policy in XXXX of 2023. I have no clue why XXXX  sent this to them. However, XXXX  and this credit collection bureau are now liable I want this removed from my account immediately. Because it is blatant fraud against me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
LATE PAYMENT LETTER Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau : Equifax Credit Bureau Address : XXXX XXXX XXXX, XXXX, GA XXXX Dear, Equifax I got a copy of my credit report and I have found the following items listed below to be in incorrect. As I do know my consumer report and will take legal action if not fixed within 30 days Pursuant to 15 USC 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, 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 NEVER gave You, Credit Reporting Agency OR ( { creditor_name } ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 
You, CREDIT REPORTING AGENCY, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT ADDRESS : XXXX XXXX XXXX, WI XXXX I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, Your Name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On Sunday, XX/XX/XXXX at around XXXX, I used my blue cash preferred consumer credit card ( card issued by Amex ) at a merchant, XXXX XXXX online at the mechant 's website ( XXXX ) in an attempt to redeem an " Amex offer '' ( promotional offer issued by Amex ). The offer terms consisted of the following, add the offer to your account before purchase ( done ), spend {$100.00} with your blue cash preferred card online ( at merchant 's web site ) or in-store by XX/XX/XXXX and receive {$20.00} credit. I spent {$100.00} at the merchant 's web site on XX/XX/17 and no credit was issued following the transaction and after 4 follow-up phone calls with American Express Customer Service . I can provide the email confirmation as additional proof of purchase with the timestamp if necessary. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: TX

Complaint narrative:
I am writing to file a formal complaint against [ Company Name ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 602 A and 15 U.S.C. 1681 Section 604 A Section 2. This complaint pertains to inaccurate and misleading information reported by [ Company Name ] regarding several accounts associated with my credit profile. 

The following accounts are at issue : XXXX account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account XXXX XXXX It has come to my attention that these companies have inaccurately reported information related to these accounts, which has had a detrimental impact on my credit score and financial well-being. Specifically, the reported information does not accurately reflect my financial obligations or payment history. 

According to 15 U.S.C. 1681 Section 602 A, consumer reporting agencies such as [ Company Name ] are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, the information provided by [ Company Name ] regarding the aforementioned accounts is demonstrably inaccurate and misleading.

Furthermore, under 15 U.S.C. 1681 Section 604 A Section 2, consumers have the right to dispute inaccurate information contained in their credit reports. I have attempted to dispute the inaccuracies associated with these accounts directly with [ Company Name ], but have not received a satisfactory resolution. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against [ Company Name ] for its violations of the FCRA. Additionally, I am seeking prompt correction of the inaccurate information reported by [ Company Name ] and restoration of my credit profile to its accurate state. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving 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 2024-04-30 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: VA

Complaint narrative:
I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-30 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-04-30 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: OneMain Finance Corporation
State: IN

Complaint narrative:
I would like these deleted Immediately I did not authorize these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation