vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is 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 2024-03-04 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:
I have 2 bank accounts, XXXX XXXX and Chime bank account. I've been using my XXXX account for some time and was transitioning my deposits to my Chime account. I recently made 2 deposits into my Chime account one for {$92.00} on XX/XX/XXXX and another for {$30.00} on XX/XX/XXXX of XXXX My direct deposit for {$1200.00} was supposed to be deposited on XX/XX/XXXX, so when I call XXXX to check my deposit for the {$1200.00} they claimed they sent the money out, but Chime claims they never received it. 

On XX/XX/year> Chime closed my account without notice while I had a pending deposit for the {$1200.00} set for XX/XX/XXXX. I didn't find out until XX/XX/XXXX to inquire why my account was closed and for them to open my account immediately. I requested a transaction history for my {$1200.00}, in which Chime claim they never received and XXXX is claiming Chime must have kept the money because it was never returned. Right now, XXXX is telling me that I would have to go without my XXXX payment, unless Chime Bank returns my monthly payment. As of now, I believe Chime has stolen my XXXX payment for the month where I can't pay my bills due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
I have no association with the listed creditors and did not authorize these inquiries. I request an investigation into these inquiries and their removal from my credit report as soon as possible.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I was overcharged {$340.00} for XXXX XXXX performed on XX/XX/XXXX by XXXX XXXX in XXXX XXXX  MO.After 5 months of XXXX, XXXX XXXX called me and informed me on XXXX XXXX, XXXX that they were sending me a check. No check was ever received. 

I submitted a fraudent charge complaint on XXXX, XXXX to my credit card company Citibank Mastercard . After hearing nothing, on XX/XX/XXXX I contacted Citibank for a status report. They informed me they had lost my electronically filed complaint and I would now required to file a written hardcopy compaint which I did. 
On XX/XX/XXXX I contacted Citibank Mastercard who indicated they had received my hardcopy complaint and would order an expedited response. 
On XX/XX/XXXX I again contacted Citibank Mastercard who stated they have no record of any complaint filed before XXXX XXXX, XXXX which is just outside their 6 month time limit for any action on fraudulent credit card losses. I cancelled my credit card in disgust with Citibank 's fraudulent actions regarding my dispute.

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 2024-03-04 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: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/24, I received an email indicating I had taken out a {$280.00} loan via Affirm for XXXX. I immediately check XXXX and no such purchase existed. I immediately reached out to Affirm to let them know this was fraudulent. On XX/XX/24, they sent me an email saying that it was my debt and I would have to pay it. I've requested to speak with someone and asked for proof of the debt. I've researched affirm complaints and it appears this is not uncommon behavior. Affirm is taking payments from me and not answering. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have no association with the listed creditors and did not authorize these inquiries. I request an investigation into these inquiries and their removal from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
IC System never contacted me. I do not have any signed contract with IC System. They are reporting an alleged debt that is covered by my XXXX XXXX XXXX and trying to collect on it. I have sued and won many times in federal court against this company. I will be reaching out to my attorney for a class actin against IC System.

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 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against Flagstar Bank for inaccurately reporting a late mortgage payment to credit reporting agencies, which has unjustly affected my credit score by nearly XXXX points. This incident is not only a breach of trust but also a failure in their duty to process payments as instructed by their customers. 

In XXXX, XXXX I provided explicit instructions to a representative of Flagstar on how to process my mortgage payment due that month. After assuring me at the end of the call that everything was " good to go '', and thanking me for my time, I found out the following month that the representative had not in fact processed the payment, and no attempt was made to inform me of this oversight. It was only upon receiving a call from Flagstar in XXXX, XXXX, inquiring about a " late '' mortgage payment, that I became aware of the issue. 

Despite my surprise and immediate action to rectify the situation by providing payment instructions for the second timewhich were then correctly processedthis error has led to a XXXX point drop in my credit score due to Flagstar 's initial failure to process my payment as instructed and their subsequent reporting to the credit agencies that I had made the payment late. 

Furthermore, I attempted to resolve this matter internally with the bank by submitting a Credit Reporting Review Request, explaining the issue and highlighting my longstanding relationship with the bank ( I have two mortgages with the bank, # XXXX and # XXXX, that I've had for years and have never made a late payment ). Outrageously, my request was denied without any explanation or further recourse provided, reflecting a lack of consideration for customer service and the impact of their error on my financial standing. 

This situation has caused me undue stress and has materially impacted my creditworthiness due to no fault of my own. I have always prioritized my financial obligations and maintain a strong track record of timely payments, as evidenced by my history with Flagstar Bank and other financial commitments.

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 2024-03-04 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: FL

Complaint narrative:
Over an extended period, I have diligently contested the inaccuracies present within the information provided to Equifax, XXXX, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date.

Equifax 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 3. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX 1. The following personal information is incorrect Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 3. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 4. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection XXXX 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX  Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection 5. Under 15 U.S. Code 1681i ( 2 ) Prompt notice of dispute to furnisher of information XXXX Account Number : XXXX Any other false, deceptive, or misleading representation or means in connection with the debt collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: VA

Complaint narrative:
A third party company came up on my credit report. The company is called XXXX XXXX XXXX. I filed a dispute for It to be removed from my credit report. I still hasnt been removed.

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 2024-03-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
A third party company came up on my credit report. The company is called XXXX XXXX XXXX. I filed a dispute for It to be removed from my credit report. I still hasnt been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Transaction date was XXXX. The amounts of the transactions are {$4300.00} and {$270.00}. 

When I saw these charges on my statement, I immediately contacted Home Depot to dispute these charges.

Home Depot sent me a letter stating that they were conducting an investigation for these charges. I received a final letter from Home Depot letting me know that they have completed their investigation. The letter states that I am still responsible for these fraudulent charges. Not sure what went into the investigation to determine that I am still responsible for charges that I never made. 

I am writing today to continue my efforts in disputing these charges. There were no itemized items on the statement telling me what was actually charged. I dont know if these charges were purchased at the store or online. As you can see my information had been compromised. 

I am requesting that these charges be credited back to my account. I never purchased anything from Home Depot for that amount of money on that day in question. If these charges were purchased in the store, Im sure you have security cameras all over the store. If you go back to that day of the purchases and review the cameras, you will see that I was never in the store. Also, if these items were purchased on-line, where were these items shipped to?

I have been a valued customer of Home Depot for many years. I have always paid my bills on a timely basis. Please continue your review of this fraudulent charge and abate all charges and interest. 

I am concerned that this will impact on my credit rating, which is excellent.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Best Buy Citi card has been charged various amounts of money under {$10.00} for what appears to be over a year now. I just realized looking at my most recent bill and can not easily look past 1 year ago. This charge is always for " debt protection '', a service I never remember or claim to have signed up for. These charges seem to have increased over the last year ( this month 's bill shows {$8.00}, 1 year ago it was {$2.00} ). Again, I have never given consent to this type of " feature '' for my credit card and they make it absolutely impossible to speak to an actual person about this issue over the phone or online.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: NM

Complaint narrative:
I have held a Discover Credit Card since the early XXXX. I no longer use this card and do not want it showing up on my Credit Report any longer. 

On XX/XX/XXXX I sent a signed letter via US mail to the address of : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. In this letter I stated the following : I am writing to you to request that you close my Discovery Credit Card account. I already have other credit cards that I use regularly and am no longer interested in keeping an account open with Discover Card. My credit account number is : XXXX XXXX XXXX XXXX. Please close this account immediately. 

Of course I have replaced the XXXX above with the real card number in my letter. 

As of today, XX/XX/XXXX this account is still open with Discover Card.

I should not have to hound Discover to close my account. I expect a signed US mail letter to this company should be enough to close this account yet they have not honored my request. 

I am writing to complain about this and to see if you can recommend to me any further steps to take in order to have this account closed permanently? 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX **************** {$1500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$720.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX **************** {$240.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-04 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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