vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding the lack of response from XXXX, XXXX, and Experian, the XXXX major credit reporting agencies, to my disputes. As per my records, I sent a second letter to all three companies on XX/XX/2023, but it has been well over 30 days, and I have not received any response from any of them. 

This failure to acknowledge my disputes within the specified timeframe is a clear violation of my rights under 15 USC 1681 ( a ) ( 1 ) ( A ), which states that XXXX, XXXX, and Experian are obligated to respond to consumer disputes within 30 days. It is deeply concerning that none of these companies have taken the necessary steps to address my concerns and provide a timely resolution. 

To provide further evidence, I have included the tracking numbers from my certified mail for each respective company : - Experian : XXXX - XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXX : XXXX I request that the Consumer Financial Protection Bureau intervene and take appropriate action against XXXX, XXXX, and Experian for their failure to comply with federal regulations. I trust that your agency will investigate this matter thoroughly and ensure that my rights as a consumer are protected. 

I appreciate your attention to this complaint and look forward to a prompt resolution.

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 2023-07-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Marcus Goldman Sachs closed my account and is delaying funds being transferred back to external accounts they finally returned XXXX to XXXX account but have not returned funds to XXXX account they are stating they can not return transferred funds from the account cause XXXX  is not a bank but they were able to receive the funds. They stated XXXX would have to put claim in for funds XXXX response is there wsd no errors made and Marcus Goldman Sachs can transfer funds back into account. MARCUS GOLDMAN SACHS WILL RESPOND ACCOUNT WAS CLOSED AND REQUEST COMPLAINT BE CLOSED BUT THEY WONT RETURN THE REMAINING FUNDS BACK INTO XXXX  ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I hope this message finds you well. I'm writing to discuss an issue with the reporting of my XXXX XXXX account on my credit report. 

The report for this account is not consistent. It displays no data for multiple months and, sporadically, it shows a 'charge-off ' status. This inconsistent reporting pattern suggests the information being provided about this account is not 100 % accurate. 

According to the guidelines under the Fair Credit Reporting Act, all data on a credit report must be completely accurate. In this case, due to the inconsistent and potentially incorrect information reported, it is clear that this standard has not been met. 

This inconsistent and potentially inaccurate reporting is negatively affecting my credit score. Therefore, I kindly request your assistance in addressing this issue by removing this account from my credit report until accurate and consistent information can be provided. 

Thank you for your prompt attention to this important matter. 

Best regards, 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I hope this message finds you well. I'm writing to discuss an issue with the reporting of my XXXX XXXX account on my credit report. 

The report for this account is not consistent. It displays no data for multiple months and, sporadically, it shows a 'charge-off ' status. This inconsistent reporting pattern suggests the information being provided about this account is not 100 % accurate. 

According to the guidelines under the Fair Credit Reporting Act, all data on a credit report must be completely accurate. In this case, due to the inconsistent and potentially incorrect information reported, it is clear that this standard has not been met. 

This inconsistent and potentially inaccurate reporting is negatively affecting my credit score. Therefore, I kindly request your assistance in addressing this issue by removing this account from my credit report until accurate and consistent information can be provided. 

Thank you for your prompt attention to this important matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I hope this message finds you well. I'm writing to discuss an issue with the reporting of my XXXX XXXX account on my credit report. 

The report for this account is not consistent. It displays no data for multiple months and, sporadically, it shows a 'charge-off ' status. This inconsistent reporting pattern suggests the information being provided about this account is not 100 % accurate. 

According to the guidelines under the Fair Credit Reporting Act, all data on a credit report must be completely accurate. In this case, due to the inconsistent and potentially incorrect information reported, it is clear that this standard has not been met. 

This inconsistent and potentially inaccurate reporting is negatively affecting my credit score. Therefore, I kindly request your assistance in addressing this issue by removing this account from my credit report until accurate and consistent information can be provided. 

Thank you for your prompt attention to this important matter. 

Best regards, 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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 FOUND ACCOUNTS ON MY CREDIT REPORT THAT DID NOT BELONG TO ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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 FOUND ACCOUNTS ON MY CREDIT REPORT THAT DID NOT BELONG 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 2023-07-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am applying for a home equity loan and received the drive by appraisal today. The appraised value was low ( approximately $ 100K lower ). Upon review of the appraisal, I identified multiple inaccuracies in which I immediately identified ; such as taxes, not a SFR but actually a PUD with a HOA payment, incorrect tax amount, incorrect Gross Living Area, incorrect Room count, etc. The appraiser did not even attempt to validate my information against county records, XXXX or even a XXXX XXXX. 

My tax assessment value this year was {$500000.00}, my primary lender has an XXXX of $ XXXX and XXXX alone has a value of {$490000.00} as of today ; however the XXXX has submitted to the lender a value of $ XXXX. Attached you will find my tax assessment, XXXX and a full appraisal completed in XXXX. I also have the original from XXXX if needed which aligns to the XXXX. 

Of course, my lender is submitting for a full appraisal to get my value ; however, this is now a {$600.00} cost for me and the appraisal is in no way supported with all of 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 explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/XXXX I opened a checking account with Bank of America online. Once the account was opened I set up direct deposit for this account for my employer and also set up mobile banking everything was confirmed. On XX/XX/XXXX I received an email that my debit card was on the way. I tried to log into my mobile banking app and was told that they couldnt locate my account. I received my debit card on XX/XX/XXXX and attempted to activate the card and was told that the card number couldnt be found. XX/XX/XXXX I reached out to Bank of America to find out why I couldnt activate the debit card and it was at this time I was told that the account closed due to my identity couldnt be verified. I was never notified by Bank of America that they couldnt verify my identity. This is all happening during my pay week. Fast forward to Friday XX/XX/XXXX and my direct deposit is sent to this closed account. I called Bank to inquire about the deposit which they confirmed was pending which confused me because the account was closed. I was then told that a hardship request can be filed and I could go into my local branch to receive my direct deposit but when I get to the branch I was advised that is done via the customer service center and we placed a call to the contact center and spoke to a rep that advised me that the hardship withdrawal couldnt be done due to the transaction was still pending and I would have to wait until Monday to get any type of resolution which I advised him that was unacceptable because I was told that it could be done and also why would the bank accept a deposit for a closed account. He couldnt answer the question and tired to end the call I then requested a manager. XXXX  took over the conversation and was unsympathetic and cold she went on to explain that deposit was pending and nothing could be done. I also asked why the account was closed which no one can explain why.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: CA

Complaint narrative:
Received an email from XXXX XXXX indicating new activity on my credit report. I reviewed my XXXX, XXXX and XXXX XXXX and identified a fraudulent {$720.00} loan was established on XX/XX/2023 with Self Financial Inc./Lead Bank , which caused a slight drop in my credit rating. I have filed investigation requests with all three credit bureaus. I've also contacted Self Financial Inc. to request an investigation on their end ; the representative suggested that I also submit a report/complaint with the FTC at XXXX. due to concerns of identity theft and fraud. 

Note : I am told that loans are established with Self Financial Inc. by individuals needing to establish credit. I have over 40 years of ( excellent ) credit history thus have no need for the services of an entity such as Self Financial Inc . 

Please also note that a few years ago, the system of the entity that I worked for was breached and as a retiree, I was notified that my information could potentially have been accessed/compromised along with other current and former employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2023 I mobile deposited a pension check with Citibank. My account is fairly new about a month or 2 old and this was the first large deposit that I had made. On XX/XX/XXXX I attempted to access my mobile banking through their app to check the status of my deposit, but for some reason I was unable to log in. I then called your customer service department who informed me that my account had been blocked due to suspected check fraud. After providing the details to the person on the phone in the fraud prevention department they then called the payor of the check and verified that the check was indeed a legitimate check. I was then told it would take two to three business days to get my account unblocked. Which is far too long for this day and age. 
Then I received a notification on XX/XX/XXXX that the funds were available in my account therefore the check has cleared and been cashed yet I'm still unable to access my account. 
I called back to the fraud prevention unit and customer service to figure out why I am still unable to access my account I am then told that my account is being closed but nobody can tell me why exactly they're closing the account they cashed the check so they can't be closing the account because of check fraud. So I have been on the phone on XX/XX/XXXX now on and off for about 5 hours speaking to and getting the runaround from multiple individuals, no one can get me through to someone who can answer my questions and somebody that can unblock my account. 
Mind you initially this check is literally from a payor listed in the Citibank direct deposit list and my account is currently in the process of being set up for direct deposit from this payer and yet still they flagged the check. 
They verified the details but are still closing my account with no explanation so now I am stuck in a situation where the check has been cashed so I can not put a stop on the check. I can't have the check reissued because it's been cashed already " days ago '' according to the woman at XXXX XXXX which is the bank that issued the check.They 're literally holding my money hostage.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states.I have the right to privacy 15 USC 1681 section 6 o 4 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
My previous student loan servicer ( XXXX ) has turned my student loans over to Dept of EDXXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an 11 year old account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Total Card, Inc.
State: ID

Complaint narrative:
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
Last XXXX of XXXX I received a bill from progressive Stating That my remaining policy balance was {$530.00} My Monthly payment of {$58.00} My renewal was in XX/XX/XXXX my Monthly balance due is {$58.00} Policy Number # XXXX. 

I called XXXX XXXX because they hit my checking account on XX/XX/XXXX, for {$460.00} for XX/XX/XXXX, {$460.00}, and XX/XX/XXXX for XXXX. I called XXXX and asked them why they hit my account and I was not going to renew the policy because the new policy hike in price was not affordable. My last premium payment total was {$530.00} and since they took too much in XXXX I only had to pay the balance of {$420.00} that would have carried me to the end of the policy since my policy remaining balance was {$530.00} so I paid it and switched to XXXX XXXX. I called XXXX  in XXXX and told them I switch policy and why were they still billing me they said to send in my new policy for XXXX XXXX so I did. then they sold it to a third-party CAINE & WEINER XXXX XXXX XXXX XXXX, CA XXXX Sent out a letter asking them to verify my debt they did not. So I called XXXX  they claimed I owed nothing to them Now today XX/XX/XXXX I called and now they are telling me that my bill was {$2000.00} which was my XXXX renewal bill, not my current bill from XX/XX/XXXX till XX/XX/XXXX The lady told me that she does not see the bill I sent into her to prove I closed the account by paying the remaining premium off she said they billed me in XX/XX/XXXX and XX/XX/XXXX even though I had a new policy with XXXX XXXX She also said they only received one snapshot back I returned all of them at the same time they provided boxes but no tracking number for the devices I mailed them back it is not my fault they got lost in the mail. I also brought her to her attention that if my policy was over {$2000.00} In XXXX then why was my monthly premium only {$58.00} I asked her to explain that because I am confused. I also explained that it also odd that after talking to several agents each of them telling me I owe nothing now when I started calling XXXX to get this removed from my credit report there is now a whole back story extra billing and all kinds of changes to my policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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 FOUND ACCOUNTS ON MY CREDIT REPORT THAT DID NOT BELONG 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