vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
Multiple attempts to work out principle payment payoff with company - tried to settle with company after impacts of XXXX XXXX XXXX XXXX XXXX XXXX sold my interest portion of the loan to debt collector - Since then I have received no less than XXXX calls a day XXXX days a week from the debt collection agency stating that I must give them a call and pay off a {$2800.00} outstanding balance after paying off the principle of the loan to the originating loan company of integra credit XXXX XXXX am now also receiving daily emails with documents to settle this loan from XXXX XXXX XXXXXXXX XXXX for this amount of an interest only balance - between the nonstop phone calls from different numbers and everyone I block this is becoming harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/24 at XXXXXXXX XXXX Experian recieved a certified and notarized dispute letter at their reception desk from myself disputing several items for violation of 15 U.S. Code 1681 e ( b ) with absolute details of contradicting and inaccurate information on such accounts. On XX/XX/24 I received an email stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. '' On XX/XX/24 I contacted Experian via phone and requested a supervisor call back. On XX/XX/24 at XXXXXXXX XXXX  I received a phone call from an Experian Supervisor stating that a notarized document is not a proper form of identification or authorization for dispute on my behalf and that their policy dictates proper identification methods, not the law. The supervisor then stated rudely that I needed to resubmit the dispute either on their website or with their requested forms of identification. On XX/XX/24 I received another email on the same issue stating " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. ". Under Illinois Law ( 5 ILCS 312/ ) Illinois Notary Public Act the verification of my identity was confirmed and verified under a " Notarial Act '' as authorized by a State of Illinois Notary Public .

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 2024-12-26 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: GA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I have two Preferred Cash Rewards Visa Credit Card Accounts with USAA ( last-4 digits ending in XXXX, and XXXX ). Both cards were eligible for a promotion that USAA marketed to me, offering an additional 1.5 % cash back on the first {$3000.00} in transaction spent on XX/XX/XXXX. 

The terms of the promotion are online here : XXXX XXXX XXXX XXXX Because of this promotion, I specifically made several transactions on both credit cards that I otherwise would have made with another institution. Before making the transactions, I carefully read the terms and conditions that USAA provided. Their terms specifically say that bonus will be paid on purchases with a transaction date of XXXX XXXX, whether they were made online or in-person. 

I made 4 transactions on XX/XX/XXXX : Merchant : XXXX XXXX Fee Amount : {$55.00} Merchant : XXXX XXXX Accounts Amount : {$2200.00} Merchant : XXXX XXXX  Fee Amount : {$73.00} Merchant : XXXX XXXX Accounts Amount : {$3000.00} After making the four transactions, I logged onto the XXXX website on XX/XX/XXXX, and confirmed that the bank website showed that the transaction was authorized on that date. I just wanted to be extra certain that the transaction was recorded on the correct date, so that they would qualify for the promotion. They were, in fact, listed as authorized on XXXX. 

However after the transactions were fully posted to my account, the date changed from the initial authorization date ( XXXX ) to XX/XX/XXXX. I'm unclear why this happened. The USAA rewards system did not end up honoring the 1.5 % bonus offer. 

I didn't actually notice this until I read on the USAA XXXX forum other USAA customers complaining about not having received the bonus rewards that they had expected. That caused me to look into my own account. 

XXXX XXXX XXXXXXXXXXXX XXXX contacted USAA to try and get the promotional offer honored. Contacting them on the issue was frustrating. I first tried their online chat, and after spending a good 20 minutes there, they told me I had to call in. So I called in, and first got to someone in the credit card department. They could not help, so eventually passed me to the " rewards '' department. They told me that the merchant had not actually posted the transaction until XX/XX/XXXX, however I already know the transaction was authorized on XXXX because I saw the authorization for the transaction on the USAA app immediately after I made it. The representative I spoke with told me that they did not have access to see the transaction authorization date, and therefore would be unable to honor the terms of the promotion.

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 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
May I have the verification method, the procedure description, and all of the documentation they retrieved during their investigation that proves this information is reporting accurately? Please provide information to me within 15 days if the information can't be provided please delete it. I'm also requesting to be provided with a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
Subject : Incorrect Reporting of Charge-Off by XXXX Credit Card XXXX Dear CFPB XXXX I am writing to file a complaint against XXXX Credit Card Company for inaccurately reporting a charge-off on my credit report. The debt in question was sold to XXXX XXXX XXXX XXXX, to whom I paid the full amount on XX/XX/year>. Despite settling the debt with XXXX XXXX, XXXX continues to report the account, negatively impacting my credit score and causing significant distress in my life. 

Over the past several months, I have made multiple attempts to resolve this issue by calling XXXX customer service, sending letters, and even personally emailing their CEO. However, XXXX has failed to correct the inaccurate information. As a result, this unresolved charge-off is severely affecting my ability to secure an apartment, causing undue emotional and mental stress. I need to move out of my current apartment soon but have not been able to secure new housing due to this on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: 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 explanation
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2024-12-26 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: CA

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. 
"

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 2024-12-26 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: FL

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
Wednesday XX/XX/scrub> 2024, chime fininicial institution was authorized from my account with the amount of {$15.00} to pay XXXX XXXX XXXX XXXX. The amount was taken from the account. A week 's time goes past still no result into my XXXX XXXX account, I called XXXX ny they see on their end the transaction was supposedly expired and was advised to contact my bank. I did so chime is arguing with me and actively hanging up the phone with me and keeping indicating it was refunded back into my account im offering proof of bank statements through phone screenshots with dates and transactions they're refusing to allow me to do so and one representative did advise where to send it but she kept giving attitude refused to send me to the fraud department to do deeper investigation, then she gang up on me. I have active record on numerous occasions where I cant recall date wise but this is truthfully unprofessional and isn't fair us citizens work hard and definitely should never go through this issue with anyone and its not the {$15.00} that im upset about because that can be easily replaced what im upset about is that this a consistent thing with this bank and its not fair that I keep losing money and it somehow metaphorically disappears into an abyss off unknown. If they say it was returned XX/XX/scrub> 2024 my proof says otherwise. They're obvisouly have to be involved with some sort of embezzlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: IL

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. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Contract Callers accounted opened XX/XX/year> # XXXX with account balance {$660.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Apple card services/Goldman Sachs reports an account on my credit report as closed but that I still owe a certain amount. Its been closed with a " profit/loss '' status. Do they have to report this to the IRS, if so, am I supposed to receive a XXXX? with a " profit/loss '' status is this still supposed to be on my credit when they were able to write this 'loss '' off?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On Friday XX/XX/XXXX I received a direct deposit from my employer into my Marcus by Goldman Sachs savings account. On Monday 12/23 I submitted a transfer request to move cash from the Marcus savings account to my XXXX savings account. My transfer request was originally accepted, but then Marcus froze my account and reversed the transfer. I called Marcus customer service number on Monday to unfreeze my account but Marcus refused to explain why my account was frozen or provide me a timeline for when it would be unfrozen. All Marcus said is that they would call me back. 4 days later, my account is still frozen and I had not received a call back from Marcus. I called customer service again today and got the same useless responses and refusal to answer questions or unfreeze my account. This is insane! I cant access my money that I need to pay my bills. It seems like Marcus is just mad that I wanted to transfer the funds to a competitor bank ( XXXX ). I asked to talk to the supervisor at Marcus and I was told that no one that is customer facing could share information regarding when my account will be unfrozen. I will never trust Marcus or Goldman Sachs with my money again!

Company response to consumer: Closed with explanation