vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a cashier 's check from XXXX XXXX. For the amount of XXXX XXXX dollars. I did a mobile deposit into my b. MO account and it went through. They have since cashed it, and it is in my current balance. However, it is not available to me until 7 days after the fact. Even though it has been already cashed and verified. I submitted it on XX/XX/XXXX, and it is not available until the XXXX, and they have said. There is nothing they can do not even with the scene partial amount. All they can state is that it is because I am a new account which I understand however, it should not be seven days when it is a cashiers check guaranteed by the bank and they already have the money and shows up in my balance. However, it is not available to me. And I am told I will be charged for any overdraft fees that I incur, even though my account technically has money.

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 2024-12-06 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: CO

Complaint narrative:
Per the attached screenshot, I discovered on XXXX that my score back on XXXX decreased by XXXX pts bc Experian took me off their Boost program bc allegedly my address changed with my XX/XX/XXXX. Nothing has changed with XX/XX/XXXX & Experian, however, Experian shows physical & Mailing address on my credit report which is correct but the address with my bank is still the po box that Experian also has. I tried to fix online with Experian & got a message my bank needs to contact Experian. I never received any notification from Experian this would have occurred and I'm trying to get a mortgage loan to buy a house.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an account online with Citibank, the next day I went in and used a settlement check for {$22000.00} as my opening deposit. On XX/XX/XXXX I tried to withdraw some funds and was told that there was an issue with the check so a hold had been placed on my account. I tried calling customer service for some answers and all I got was that the check was fraudulent. I went to the bank on XXXX and spoke with XXXX XXXX and showed him proof that the check was not fraudulent and he told me that the notes on the account said it had been verified. He copied what I had brought in and said he'd contact me. On XX/XX/XXXX I called him and went back to the bank and he said from what he found that the check was good so we called the fraud department. After speaking with them I was told the issuer needed to call and verify the check. On XXXX the issuing insurance company did that and so I went back to the bank as instructed and we called fraud and they proceeded to find it necessary to re-verify the check with the issuer, which they did. I was then told that the hold would be removed and I could then access my funds in 24-48 hours. On XX/XX/XXXX I called to find out the status of the hold only to be told it had been rescinded and that I must now wait 30-60 days for them to send me a check. I went back to the bank and once again XXXX XXXX called the department handling the issue and was told they refused to remove the hold and would not expidite returning my funds. This, in no way, was my fault and had the first person that decided that not only my check was fraudulent but lied and said it had been verified as such had done their due dilligence and actually called the issuer then we wouldn't be where we are now. I simply want the hold taken off my account and my funds returned to me, in cash, from the bank. I do plan on going on social media with this as well as contacting the local news so more people don't have the same experience. Nobody should be falsely accused of fraud and then have to jump through the banks hoops to end up suffering the consequences from a bank error that should've never happened to begin with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-06 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 do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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 do not recognize the negative accounts appearing on my 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 explanation
Consumer complaint received 2024-12-06 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: Experian Information Solutions Inc.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-12-06 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: IN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-06 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.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: CA

Complaint narrative:
I contacted the company to ask them to participate in the Debt Management plan I was embarking upon. They would not participate but offered to modify the loan terms. I signed an agreement but could not download a copy of the signed document. After making a couple of months of payments I noticed that 100 % of the payment was applied to interest. I called to inquire and was told that the accurate application of the payment would be reflected soon. Two months later the principal balance still had not changed. I emailed asking for a copy of the signed XXXX agreement as I was unable to download a copy. I also asked for documentation of the actual balance. I received no response so I did not make the next scheduled payment. I later call and asked about the two items. I was emailed a summary of the agreement but not the actual document I signed. I was told that there was an error that prevented them from providing an accurate balance. I was instructed to continue to submit payments and eventually the payments would be accurately reflected against the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX APT XXXX, XXXX FL XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : XX/XX/year> XXXX. Previous Address ( es ) : XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, FL XXXX XXXX. Employers : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXX XXXX XXXX XXXX APT XXXX, XXXX FL XXXX. I request that my current address be updated accordingly. 

XXXX. Date of Birth : XX/XX/year> XXXX. Previous Address ( es ) : XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX, FL XXXX XXXX. Employers : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: GA

Complaint narrative:
my credit report ( i had id theft happen 1 year ago ) shows nothing in collections but i get phone calls from Allied interstate? untill they send me a letter im doing nothing. Maybe they trying to contact my ex-wife i took her phone over in XXXX because XXXX XXXX didn't work in NYC. Also she declared bankrupcy few years after we divorce

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 2024-12-06 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: NJ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: PA

Complaint narrative:
Company is in violation of USC 1605. Company continues to furnish false information on my report. Company is also in direct violation of USC 1681. 

Account # 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 2024-12-09 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: PA

Complaint narrative:
Company is in violation of USC 1605. Company continues to furnish false information on my report. Company is also in direct violation of USC 1681. 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage took over my existing mortgage in XX/XX/year>. I do not escrow funds for insurance or taxes. All payments for XXXX  were made by me. Now Freedom Mortgage is billing me for an escrow shortfall and they are demanding that I fund escrow for my flood insurance. This amounts to a fundamental change in the terms of my mortgage made without my consent. I have made at least 8 phone calls to try to rectify this and Ive gotten nowhere.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX, and Equifax are not legally bound to report bankruptcy in my account, let alone an inaccurate ones. They are violating my right! Please remove the Bankruptcy record in my report as soon as possible. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Ref No.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Putting fraudulent accounts on my credit report 18 USC Section 241 15 USC 1650 15 USC 3002-10 ( Person )

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 2024-12-06 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: Experian Information Solutions Inc.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: DC

Complaint narrative:
The government payroll calendar is the same for all government employees no matter where you work. Today is a payday XX/XX/XXXX. My bank pays me on the XXXX date which is the same day it is deposited. XXXX and my jobs payroll claim Chime never issued me the check they deposited to my account XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XXXX I sent {$750.00} twice via Cash App. Cash App didn't inform me that they would charge me a few however. I reached out to XXXX, my credit card company and they told me they didn't charge a fee, but Cash App did and I would have to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITI decreased my credit limit from {$10000.00} to {$4800.00} after I paid off one of my credit cards with another credit card company. I was unaware of a {$16.00} interest charge with the other credit card company ; the other card company did not contact me by phone or mail about it. Consequently, my account went 30 days past due. I only found out about this when I received a credit alert stating that I had a past-due account. My credit score dropped from XXXX to XXXX, a significant blow. This complaint is because I have been a loyal customer and have NEVER been late with the payment history CITI. I have always made timely payments, and I believe my credit limit should not have been decreased. I don't understand why CITI, without knowing all the facts, decreased my credit line, so I'm requesting that they increase my credit back to the same limit of {$10000.00}. I worked hard for my credit line to get to where I was, and this is not right!!

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 2024-12-07 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: DC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit report and noticed several billing errors. These late payments dont align with my usual payment habits. Please fix these inaccuracies and update my account. Thank you!

Company response to consumer: Closed with explanation