vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Received an email from TrueAccord on XX/XX/XXXX to my deceased mother 's email account claiming she incurred a debt with XXXX that was sold to XXXX XXXX XXXX and she now owes {$2700.00}. 

My mother died XX/XX/XXXX. The emailed statement from XXXX showed {$0.00} balance, I notified them of her death, and the account was closed. XXXX confirmed by phone XX/XX/XXXX there is {$0.00} balance and no debt was sold.

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 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: WA

Complaint narrative:
I am submitting this complaint against Credit Karma for continuing to withhold my funds from my account without a valid explanation and for not providing a clear resolution to the issue. This situation is not only inconvenient but also troubling, as it has occurred multiple times without satisfactory clarification. I have an account with Credit Karma, and I have been experiencing issues accessing my funds. On XX/XX/year>, Credit Karma first withheld my funds without providing an explanation. I contacted Credit Karma to inquire about the issue, and after several attempts, they did not offer a clear reason as to why my funds were inaccessible. 
On XX/XX/year>, I again found myself unable to access my funds, and when I called Credit Karma to resolve the issue, I was informed that it was a " small error '' on their end. The representative assured me that the issue would be fixed promptly and my account would be restored. However, as of today ( the fourth day ), I still can not access my funds. 
This delay in resolving the issue is concerning, especially given that the same problem occurred a month ago, and I was not provided with a clear or satisfactory explanation at that time either. Despite receiving verbal assurances from Credit Karma that the issue would be fixed, I am still unable to access my account or use my funds. 
The ongoing withholding of my funds is causing significant inconvenience and financial strain, as I rely on this account to make purchases as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I opened a CD account with Mature date on XX/XX/XXXX, prior to this date I was prompt to request renewal or closing, I chose closing in their web app and specified that I wanted the funds tranferred on mature date to my debit account to an external bank. 

The account wasn't closed by itself and on XX/XX/XXXX I called to get my funds transferred to which they said there was a hold on my account due to a waiver for early withdrawal. I explicitely selected the no renewal option on the web app. 

It has been multiple calls and over a week of no resolution, each time I call they make me wait for about XXXX hour saying they are " verifying '' the status of the account and " escalating '' but nothing really changes. 

In addition, they claim they have reached out to my phone and left a voicemail but that didn't happen, after reviwing my phone logs there's no reference to such voicemail nor missed call. 

XXXX is holding costumers money as long as they can without any valid reason to do so, and this is creating hardship for me and my family as it is critical that I get my funds on mature date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

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 non-monetary relief
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-17 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:
XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with TransUnion Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX  Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction.

FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report. 
Written confirmation of the corrections made. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-12-17 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: FL

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 2024-12-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

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 2024-12-17 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: IL

Complaint narrative:
I requested information from Transunion on these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The requested information is as follows : 1.Original contract with the wet signature 2. Name 3. Address 4. Phone number 5. Proof of ownership of debt and their right to collect on it 6. Break down of the billing and payment history.

In accordance to the Fair Credit Reporting Act these companies has violated my rights.

15 U.S.C. 1692g that requires a debt collectors to validate debts and provide consumers with certain information.

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 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Trip ID : XXXX XXXX XXXX XXXX XXXX  I booked a babymoon trip for my wife and me in XXXX XXXX. I used my points to book a room in XXXX. When booking, I was unsure if the reservation went through. I have used XXXX XXXXXXXX multiple times, and when a trip is successfully booked, it appears under XXXX Trips. After the trip date passes, it then shows up under Past Trips. 

I attempted to confirm the trip, but : I never received an email from Chase confirming the trip. 
The trip never appeared under Upcoming Trips. 
The points were never deducted. 
I called the hotel, and they confirmed that I did not have a booking. ( Note : This could be because Chase 's third-party booking company might have booked under their own name. ) Given these factors, any reasonable person would assume they did not have a reservation. So in XXXX, I rebooked the same room, valued at {$1200.00} in points. Again, I did not receive an email confirmation for this booking. Additionally, I receive marketing emails from Chase, so there is no issue with my email address. 

When we arrived for our trip, the hotel informed me that I had two suites booked. I explained this was a mistake, and the hotel also stated that the email confirmation was sent to a different address than mine. This is crucial because Chase is denying my refund, claiming they have proof that an email was sent to my email on file, even though the hotel says otherwise. 

I have had multiple calls with Chase Travel, and while they show the trip under Upcoming/Past Trips on their system, it does not appear on my Chase Travel dashboard , as they claim it should. I have sent Chase Travel ( with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple images and videos of my travel dashboard showing that the trip does not appear. 

Despite providing two sets of proof, XXXX XXXXXXXX only response is that the email confirmation was sent, dismissing all other evidence as irrelevant. I doubt they even reviewed my proof, which clearly demonstrates they are in the wrong. 

I have asked for proof from their end showing that the email was sent to the correct address with a timestamp, but they have refused to provide it. It seems they are aware of their mistake and are hoping I drop the issue. However, I have spent a significant amount of money on their credit cards, and I do not want {$1200.00} worth of points to disappear due to their error. 

Attachments show that the trip never shows up under my trip and is no where to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-17 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: CA

Complaint narrative:
The potential FCRA ( Fair Credit Reporting Act ) violations in this report include : 1. Accuracy of Information ( Section 623 ) : The report lists the Balance Updated date as XXXX XXXX XXXX and the status mentions past due information as of XXXX XXXX. Since this date is in the future, it raises concerns about reporting inaccurate or unverifiable information, which violates the requirement for timely and accurate reporting.

2. Account Status After Charge-Off : The account is marked as charged off with a balance of {$490.00} past due and a total of {$45000.00} written off. After an account is charged off, interest or fees should not accrue unless specifically allowed under the loan agreement and applicable state laws. Misrepresenting the post-charge-off balance or failing to verify it can constitute an FCRA violation.

3. Outdated Reporting ( Section 605 ) : Charged-off accounts must be reported for no longer than 7 years from the date of first delinquency. Although the report does not specify the delinquency date, it must be verified that this reporting adheres to the timeline.

4. Consumer Right to Dispute ( Section 611 ) : If you have disputed this account and the information was not corrected or verified within 30 days, this could violate your rights under the FCRA. 
XXXX. Incomplete Information : The Comments section is blank, which can be problematic if the creditor has received a dispute but failed to include proper notations. If the consumer disputes information, the creditor or credit bureau must update the record to reflect the dispute. 

This is in violation with FCRA and needs to be handled properly.

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 2024-12-17 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: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX EXPERIAN 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! 


Update 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 2024-12-17 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: MD

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be 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.

EQUIFAX EXPERIAN 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! 


Update 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 explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-17 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: OH

Complaint narrative:
I am writing to formally dispute and request the immediate removal of unauthorized hard inquiries appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. These inquiries were made without my explicit consent and are not related to any of my active accounts. 
The specific hard inquiries in question are : XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX Inquired on XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, 2023

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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