vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/year>, I opened an Ally checking account under a promotion where I would earn {$200.00} after receiving a total of {$1500.00} in qualifying direct deposits by XX/XX/year> ( refer to the attacheXXXX XXXX XXXX XXXX ). I completed the requirements, but never received the bonus of {$200.00}. 

My Ally account received my first direct deposit from my employer on XX/XX/year>XXXX  for {$1100.00} and my second direct deposit on XX/XX/year>XXXX  for {$410.00} ( refer to the attached XXXX and XXXX ). The total amount of my direct deposits is {$1500.00}, which is more than the amount required by the promotion. 

The was an issue with my first direct deposit where delays in the processing led to my checking account nearly being closed on XX/XX/year>. However, I was able to call in immediately and reverse the pending closure. The Ally Bank representative I contacted assured me that my account was still in good standing and that I would still be eligible for the bonus. 

The Ally representative also informed me that a note was made on my account about this situation including the fact that I should receive the bonus. A few hours after this incident, I also received another email from Ally on XX/XX/year>XXXX  reiterating my eligibility for the {$200.00} bonus ( refer to the attached XXXX ). Based on all of the above, it was my understanding that I was still eligible for the bonus, so I continued using Ally and had my employer send the second direct deposit shortly afterwards. 

However, several months passed and I still had not received the {$200.00} bonus. When I contacted Ally again, they told me my bonus was denied on the grounds that my account did not remain in good standing based on the XX/XX/year>. However, this completely contradicts my prior correspondence with Ally and the assurances that I was still eligible. I am deeply disappointed with this experience and hope that Ally can rectify this.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have written and have call to get them to correct my report. I went to the United States Bankuptcy Court and they said they did not report this on my credit and give me a letter to help 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 explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: TN

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 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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 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: Experian Information Solutions 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 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 2024-12-04 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: GA

Complaint narrative:
I paid off my XXXX XXXX XXXX XXXX  debt on XX/XX/year>. 

I disputed the debt on Experian and the results came back XX/XX/XXXX as accurate, even though I showed receipts from a screenshot on the XXXX XXXX website. 
I disputed again on XX/XX/year>XXXX  and Experian expect the results to be ready XX/XX/year>. 
My score update on their site XXXX and Im worried theyre not taking this serious. I disputed my debt on XXXX XXXX and they took it off, so I am pleased w
ith 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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly 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 2024-12-04 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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. List all accounts : "

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: MI

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: VA

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 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Minto Financial dba Minto Money
State: GA

Complaint narrative:
regards 2 payday loans : one from Minto Money for {$45000.00} and one from XXXX for {$1000.00}. After receiving the money, I discovered that neither company is allowed to operate in Georgia due to the Loan Shark Law. I am being charged 500 % interest and the payments to both do not allow me to pay my rent. I was able to put a stop payment on the Minto Money payment on Friday for {$210.00}, however I was not able to stop the XXXX Payment for {$400.00} yesterday. I have contacted XXXX today and told them they should not have given me the loan in the first place. The loan document they had me sign showed an address in Florida which I informed them at the time was incorrect but they refused to correct it .I will also contact Minto Money today and give them the same information. The phone number for Minto Money is XXXX, and the phone number for XXXX is XXXX. Please let me know what recourse I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: MS

Complaint narrative:
I recently received my credit report and previously disputed a account on it XXXX XXXX XXXX XXXX. Because of my recent dispute Equifax violated consumer law by re-aging the date of last activity of the account in which they reported the last activity date to be XX/XX/year>XXXX  instead of reporting last delinquent date. This is a violation of FCRA Section 605c. They do this to consumers in order to harm the integrity of the consumer. Consumer never authorized the reporting of such NPI non public information. I understand that under 15 U.S.C. Sec. 1681i ( a ) ( 2 ) ( A ) ( B ) ( C ), these type of accounts are excluded from being reported. I understand that under 15 U.S.C. Sec. 1681i ( a ) ( q ) ( 3 ), this is considered Identity Theft of consumer. I've asked for proof of investigation and did not receive any proof. I AM NOT THE OWNER OF THIS ACCOUNT AND REQUEST PROOF THAT XXXX XXXX is in fact the Owner of this account and proof shall be sent to consumer via mail, signed under penalty and perjury, witnessed by a Notary, by someone who can attest to the facts that XXXX XXXX is the owner of account. If Equifax can not verify that the owner of this account is XXXX XXXX then Equifax must immediately delete this negative item or face FCRA violations of XXXX XXXX dollars to the consumer under section 605c.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: IL

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 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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XXXX I submitted payments thinking that I could use the card to take my daughter on a trip for her birthday. I submitted a deposit and needed this card to pay. I tried to use the card, and it would not work so I called customer service. An agent told me that the card was not the right one, but they could not send out a new card because the account had been closed. I was unaware and requested that my payments be refunded. I was told over and over that I would have received a refund. I was even told that it was in the mail which was not true. I was then told that my payments did not go through and yet the money was not in my account. I have been sending in everything that has been requested and each time I call I get a different response. This has been a very bad experience. I have lost money and have disconnect notices due to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I now live in Arizona. Truist bank does not have any branches here. I called to close my account starting in XXXX and they could not verify my phone number even though Ive had it over a year. I went through all the steps and ended up being locked out of my online account. In order to resolve the issue, I had to write a letter asking that my checking and savings account be closed. Per Truist, I had to go to a Notary and have my signature notarized. I did that. It cost me almost {$20.00} in order to have my signature notarized. I then sent a priority mail envelope with the letter, a copy of my drivers license and a copy of my checking and savings account statements toTruist. That was done on XX/XX/XXXX. I went to the notary at a local XXXX  store on XX/XX/XXXX and the party email envelope was mailed from the XXXX store on that date.At first, Truist said they never received my priority mail. I have proof it was received XXXX. On XX/XX/XXXX via another phone call Truist said they did have my letter and that they would close my account and mail me a check. I still can not view my account online, and it is now XX/XX/XXXX and I still do not have the funds from my closed accounts. Both checking and savings. I am a teacher, I dont make a lot of money, And they are holding my money hostage. Please help me resolve this.

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 2024-12-04 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:
XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES Date : XX/XX/XXXXXXXX  Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Other Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX [ email address XXXX Enclosures : Proof of identity A copy of driver 's license XXXX  documentation o A self-attestation that you I am a victim

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