vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
I am reaching out for your help to deal with the wrong account that is currently being reported on my credit report. This concern is serious as it has negatively impacted my reputation, and I need your assistance. The way my credit information was managed has caused me immense trouble, tarnishing my reputation because of the errors. You need to remove these false entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CT

Complaint narrative:
Connecticut | Discover Card Services | Compliance Issues | Protected Statutes | Fair Credit Reporting Act ( FCRA ) and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) Discover Credit closed my account XXXX months after approving my secured card, citing my use of a consolidation service called XXXX XXXX as the reason for this decision. This action raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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.
State: IL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited {$200.00} and then deposited {$530.00}, and then the atm stopped working and none of my money was deposited and the bank wasnt able to retrieve my money. I talked to the people inside the bank and called the service hotline on my phone and made a claim, but wasnt able to receive my money. I am owed {$730.00}.

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 2024-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
BSI Financial Services is holding my XXXX payout to repair my home XXXX XXXX XXXX XXXX. I received an inspection as part of their process to receive funds to pay my contractors on XX/XX/24. I call roughly every two days to ask for progress on releasing my money and have never once received a call back or assistance in receiving my money. I have massive bills coming my way and desperately need this money. After 20+ unanswered calls/voicemails in the last 5.5 weeks I have no idea how to resolve this issue without resorting to these complaints.

BSI Financial Services are bad actors and need to be held accountable for the way the take advantage of people who have suffered from XXXX  or other catastrophe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Last year, my father passed away so we've been working on settling out the estate, selling the house, etc. 

We finally closed on his home XXXX weeks ago, and I received a check for my portion of this. Roughly XXXX. Well, I didn't want any issues with the bank so I went in person with my ID/Debit Card to the local Capital One branch to deposit the check. I asked about how long it would take to clear and they informed me it would be the next business day! ( Great! ) Well, next business day rolls around and the check was placed on a mandatory hold for 5 business days. Now, this wouldn't be so bad. But on top of the hold, they completely disabled my Debit Card. I couldn't make purchases or even transfer in/out money. So, queue a 5 hour call with Capital One. They were trying to call the issuing bank but apparently they couldn't verify the check with them for some unknown reason. They " claimed '' to have unlocked my card during this process, but it never happened. I called back the next day to maybe get different information, and well, I did... This new representative told me there was nothing they could do until the 5 day hold was released. ( I was fuming with them, at this point. I had wasted 5 hours of my time on the phone with them for no reason. May I add, the CSR dude I was speaking with had CHICKENS in the background and I could HARDLY understand a word he was saying. ) Well, with nothing to do I stood by and waited until yesterday ( tuesday XX/XX/year> ), and the check had cleared! ( yay! ) Or so I thought. My card was still disabled, so i had to call back. Queue another 30 or so minutes on the phone with their CSR. She unlocked my card and that was that. Cool. ( Again, so I thought ) This morning I wake up and I was going to sit down and start paying off some debts, paying for my classes, etc. 

I opened my account and noticed I had an alert saying I needed to call customer service ( AGAIN!! ) Admittedly frustrated with them at this point, I called anyway. Now my account is under further review AGAIN! When I asked the time frame, they were unable to provide this. 

What in the world are my options?? My car insurance is due in XXXX  days, and if not paid, will be cancelled. I can't use my debit card, I cant use the ATM, is this something I should go to a lawyer for? Try to get a supervisor? ( This was totally unsuccessful last week when I tried to get someone higher up ) I've received absolutely no communication from the bank on WHY my funds are being held for a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-18 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: PR

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XXXX, XXXX 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-09-18 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 always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was depositing money from PNC drive thru Atm. I was depositing {$1000.00} dollars. When atm machine got stuck and took my money and gave my debit card back and one of recipt came out. Which says we couldnt return your cash please contact bank. I contact bank and they file a dispute and told me its going to take 10 to 45 business days. I have to pay my bills and rent. And pnc never gave me and temperory credit. Im stuck with their malfuncation atm machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a bank of america account.. they continuously keep taking out maintenance fees out of my checking and savings account. I talked to them before they have gave me the requirements to have in order for them to not take out the maintenance fees.. I have met all the requirements they continue to take out money out of both my accounts. I am tired of it I have been a customer for over 10 years with BOA

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, I made a transfer of XXXX with an identifier. What happened was that when I tried to make a payment using my mobile card, I was asked for a billing address in the United States. I changed it, but it didnt work, so I put my address in XXXX back. After doing all of this, an automatic security protocol was triggered, and they asked for proof of my residency in XXXX. After providing the required documents and them confirming that everything was in order, the issue has not been resolved, and the following amounts are still blocked : A transfer of XXXX {$560.00} XXXX I have been calling and writing them since XX/XX/XXXX, and their response has been that the case has been forwarded to the relevant team... 

The application/bank I used is called " Wise ''. I am in a critical situation because I am currently a student at XXXX XXXX XXXX University, and I need this money to pay for my apartment, food, transportation, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Exhibit B Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? Technically debt is a twofold word, it is any obligation or an alleged obligation and you cant choose both. XXXX XXXX XXXX is basically making it an obligation for me to pay on a debt without my direct consent. I XXXX XXXX the consumer never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. No consent is Identity Theft. 

Account : Account Number : XXXX Thank you, 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 2024-09-18 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: NJ

Complaint narrative:
Kindly dispute the XXXX that appears on my credit report, I'm writing. I have a court letter stating to the fact that this XXXX should not to be published. This situation gets worse by the involvement of an unauthorized third party.

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I never opened up an account with you guys. I am a victim of identity theft. Please remove all fraudulent accounts from you guys system pertaining to me This is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
I've recently received a copy of my credit report and noticed several inquiries reporting to my credit report. These inquiries and have been detrimental to my life and credit health.

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 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
A glitch on Ally 's app did not show a deposit i made a few moments before on the XXXX of XXXX. So, I proceeded to make the deposit again. The deposit then showed up twice, but also both were marked held for the FULL AMOUNT of the deposit. I first texted then called on the XXXX to correct my error to which the clerk told me that they showed the deposit had cleared but funds would not be released until the XXXX. I thought that Reg CC would apply, yet the exception hold should have only applied to one deposit ( which frankly should have been adjusted out during processing ). So. Ally just automatically puts exception holds on deposit errors without reviewing the error itself? How can that be ok?

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