vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently upheld the practice of making timely payments on this account, preventing any instances of overdue payments. The existence of late payment remarks on my accounts leaves me uncertain. In accordance with 15 USC 1666b - Billing Error, corrections should be applied if discrepancies are found.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: OH

Complaint narrative:
I sent a certified letter to the transunion XXXX and XXXX on XX/XX/XXXX to verify my credit completely they all stated they did and everything was correct but I still see incorrect information on my report thats incorrect

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I sent a certified letter to the XXXX XXXX and equifax on XX/XX/XXXX to verify my credit completely they all stated they did and everything was correct but I still see incorrect information on my report thats incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-21 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: MS

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MD

Complaint narrative:
I made a large payment for almost {$27000.00}. and Discover refuses to acknowledge the receipt of the payment. The payment was made from XXXX ( XXXX XXXX  XXXX XXXX XXXX ) as part of a Home Equity Loan requirement. There was no way to pay the bill other than to send it via mail, so I sent it with careful tracking. The USPS show that the payment was received 2 days ago, but Discover says they have not received it yet. 

I believe fraud is occurring on the part of someone at Discover Credit Cards or that the company as a policy is not prompt in the application of payments by mail. I need Discover to immediately credit the amount to my account and refund all interest accrued during this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This company has been adding double the taxes owed in my escrow which affected my mortgage payment. Therefore, I am doubting my monthly payment is correct and inflated. In the process of consolidating my mortgage, car loan and personal. At that time the company noticed the mortgage company was charging me double the taxes than I owed. I called the company to get an explanation of what and why this was happening. XXXX ( rep ) told me they would open request and I could call back in 24 - 48 hours. When I called back, one of the female representatives told me she dont know why he was told me something like that. There wasnt a request done to them charging double the taxes added in my escrow. On XX/XX/2024, I called again and the request for research hadnt been processed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX EXPERIAN Eperian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. Upon reviewing the report provided to me, I noticed that there are errors regarding my name. The inaccuracies are as follows : Incorrect Names listed under my personal information section are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX I would like to request that these inaccuracies be promptly corrected. The correct information is as follows : Correct Name : XXXX XXXX I understand the importance of accurate reporting and how errors can impact my financial standing. Therefore, I kindly ask that you investigate this matter and make the necessary corrections as soon as possible. Please provide me with written confirmation once the changes have been made.

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 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is my second attempt to remove these accounts and inquiries from my report which is causing me defamation. I asked to have my inquiries removed the company responded that they would have to remain on my report for at least 2 years. I am now requesting for the company to prove to me that there is an open account tied to XXXX XXXX XXXX AND ALSO XXXX XXXX XXXX XXXXXXXX. I can express more about the laws from 15 USC 1681 Permissible purposes ( to get these cleared off ). Accounts : XXXX XXXX XXXX for {$630.00} and also another for {$600.00}. XXXX XXXX XXXX for {$6100.00}. XXXX XXXX for XXXX. I have explained that the debt has been sold over to a third-party debt collector which means it is now considered a certificate of indebtedness. Which goes along with the XXXX cancellation of a debt. certificate of indebtedness is income that must be removed. I've also sent an opt-out notice, 16 CFR 313.7 form of opt-out notice. I am opting out of any authorization I may have given you written unwritten verbal or nonverbal. I would also like to highlight the importance of The Privacy Act of 1974!

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 2024-03-21 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:
I have several listed accounts that appear as late when indeed they are not. I reconfirmed this with an official Experian credit report and they verified as late going from current to 60 days late within a 30 day window, I've contacted EXPERIAN several times with a 2 year time frame with this complaint of these incorrect accounts statuses and have seen no adjustments. According to law 15 U.S. Code1691i- Procedure in a case of disputed accuracy. If the completeness or accuracy of any item ( s ) of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item ( s ) from the file in accordance to paragraph ( 5 ) The accounts in question : XXXX # XXXX {$2200.00} XXXX # XXXX {$540.00} XXXX XXXX {$1300.00} XXXX OF XXXX # XXXX {$2000.00} XXXX XXXX XXXX # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$3400.00} XXXX XXXX XXXX # XXXX {$9600.00} XXXX XXXX XXXX # XXXX {$6800.00} XXXX XXXX XXXX # XXXX {$3700.00} XXXX XXXX XXXX # XXXX {$3500.00} THESE ACCOUNTS ARE INACCURATE GOING FROM CURRENT TO 60 DAYS LATE IN ( XXXX ) MONTH IM WHICH IS IMPOSSIBLE AND ITS Breaking The LAW UNDER 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
According to the statement from Citibank to me On XXXX XX/XX/XXXX, I made a payment of {$120.00} to XXXX  card that was processed leaving my account with a available balance of XXXX. Over the next days I made several other transactions and at no point was account ever shown to me to be negative by Citibank. On today XX/XX/XXXX after reviewing my account it was shown that Citibank returned my XXXX  payment of XXXX back to me on XX/XX/XXXX as insufficient funds. My compliant is that Citibank is providing a poor reflection of actual information in the account and is committing fraud by giving me false information and returning funds that were already shown to be processed. Also when speaking with customer service they informed me of transactions of the XX/XX/XXXX but when reviewing the information provided to me by Citibank banking applications there are no transactions listed on the XX/XX/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 2024-03-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I utilized three distinct Chase credit cards to make separate purchases, capitalizing on a promotion Chase was offering during the XXXX weekend. This promotion promised a XXXX % cash back incentive for transactions conducted directly on XXXX, with a stipulation that purchases needed to be completed by either XX/XX/XXXX or possibly XX/XX/XXXX though the exact date eludes my memory. What remains clear is that purchases had to be finalized by the specified due date to qualify for the XXXX  % cash back. I possess email receipts confirming all three transactions across the trio of Chase credit cards. 
However, due to disruptions in the supply chain, XXXX delayed shipping the items until mid-XXXX XXXX, at which point the transactions were posted on the credit cards. Upon contacting Chase to contest their decision, I pointed out that I possessed receipts for all three purchases made on XX/XX/XXXX, well within the expiration date of XX/XX/XXXX. Yet, they insisted on their inability to honor the promotion because the transactions appeared in XX/XX/XXXX. My contention is that Chase should have explicitly stated in their promotion that the seller 's charge must be posted before the expiration date for eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: TX

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I have requested copies of signed documents twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  previously had a personal equity line of credit product ( PELOC ). When the FDIC had to capture XXXX XXXX XXXX, some smart person decided to sell the PELOC loan servicing rights to Sofi. Borrowers had zero option to change this outcome. The servicing rights were forced on us. 

But the portion of Sofi that obtained the loans use the antiquated XXXX platform. This is the XXXX servicing arm of Sofi. It probably employs 2 people. 

When my PELOC loan was trasferred, the integration doesn't seem to have worked. The XXXX platform shows the loan and recurring interest+principal payment. But the account that will be used to withdrawal funds is incorrect. 

Unfortunately, the XXXX software is exceptionally old/out-dated. There is no way for me to add a different bank account to affect the auto pay. 

Sofi provided a number to call for customer support. XXXX. But, SoFi neglected to staff this number with agents. When I call this number, my estimated wait time is at least 4 hours. I've called 3 separate occasions this week, each time with 4 or 5 hour estimated wait times. If I stay on the line, the estimated wait time does indeed shrink by 5 minutes for every 5 minutes I'm on hold. So the estimate seems correct. 

The alternate Sofi servicing contacts can not access my PELOC since these contact points can only provide support for loans on their newer platform. If I call these numbers or agents, I simply get re-directed to the 5 hour broken wait line. 

https : //www.sofi.com/contact-us/ I am requesting the CFPB to investigate SoFi and penalize their performance for this negligence. They are obviously not prepared to service loans that they knowingly/willingly procured from XXXX XXXX XXXX  and the FDIC. I am also documenting this CFPB complaint to combat damage to my credit report when inevitably my recurring monthly obligation to the PELOC is unmet since their system won't let me update my autopay details.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: MO

Complaint narrative:
This complaint is in regard to a reinvestigation done by EXPERIAN INFORMATION SOLUTIONS. According to the most recent reinvestigation that was commenced on XX/XX/2024, involving XXXX XXXX  loan accounts, upon review of my consumer disclosure report given by EXPERIAN INFORMATION SOLUTIONS on XX/XX/2024, the reinvestigation was finished. I noticed that the updated the account s that were in dispute but did not correct the inaccurate information being reported from those accounts. The inaccuracies consisted of missing payments classified as 'No data ' and random late payments that reflect as one '90 day ' late payment. The accounts that I disputed still remain inaccurate with the same issues showing. These accounts remains both incomplete and inaccurate. XXXX XXXX XXXX ( XXXX ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation