vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I applied for a personal load on XX/XX/year> for {$20000.00} on sofi.com, where I am also a banking customer. I received an automated Adverse Action notice that I was denied due to " Excessive Debt Obligations ''. Upon contacting customer service, I was advised to speak with XXXX and XXXX credit bureaus to clear up any issues on my credit report. 

I contacted both XXXX and XXXX on XX/XX/year> and was told that the credit report shared with SoFi Bank showed no debt, a revolving credit card balance of under {$200.00}, and an excellent credit score of XXXX. 

I then contacted SoFi Bank customer service again and let them know that I did as instructed. They told me I would need to wait 30 days to reapply for a personal loan as their system would not process another personal loan application after a denial. This was not told to me yesterday before I contacted the credit bureaus. They also said that it was strange that I had been denied due to excessive debt, as it is clear on my credit report that I have no current debt. 

I asked them to either reprocess my personal loan, or provide me with an accurate Adverse Action notice as the one provided on XX/XX/year> did not reflect the information shared with SoFi Bank on XX/XX/year> by the credit bureaus. They refused, and said I would need to wait and reapply in 30 days. Their actions ( and inactions ) suggest to me that they are hiding the actual reason for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : XXXX XXXX collection XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX Also Known As : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: Professional Recovery Management
State: NC

Complaint narrative:
The collection agency was sent a certified letter requesting validation of charges. The company has not provided this. I also I requested validation of the the charged with XXXX and XXXX. Neither provide documents of validation, details and specifics of charges and date allegedly received, insurance documents for any products or services filed and documents disclosing insurance payments in detail. XXXX and XXXX replied that they validated the charges, yet did not provide me with copies of what they used to validate. They simply said thye were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NC

Complaint narrative:
The collection agency was sent a certified letter requesting validation of charges. The company has not provided this. I also I requested validation of the the charged with XXXX and Equifax. Neither provide documents of validation, details and specifics of charges and date allegedly received, insurance documents for any products or services filed and documents disclosing insurance payments in detail. XXXX and equifax replied that they validated the charges, yet did not provide me with copies of what they used to validate. They simply said thye were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
On XX/XX/XXXX, I mistakenly made an over payment of {$6500.00} to Kohls CapitalOne Credit Card. My bill was for {$66.00} and I sent them {$6600.00}. 

After speaking several times with XXXX  XXXX XXXX, including XX/XX/XXXX when I realized the mistake, I was told since there wasn't enough cash in the account not to worry about. XXXX would deny it and not pay. Also, told that this would not happen more than twice. Well it happened 3 times and XXXX sent it out even though cash not there in account. The bank took it from daughter 's household account that I happened to be linked with. So I obviously had to repay her that money. 

I have spoken with Kohls CapitalOne Credit Card Co. 7 times since XX/XX/XXXX. Twice told not to worry they would try more than 2 times and if cash wasn't there, I had nothing to worry about. 

Since late XXXX, I have spoken to XXXX people who have told me that check is on the way and should arrive in XXXX business days. First time they said it didn't go out as they had stated because it went to their Fraud Department and opened a case. I wasn't contacted by anyone. 

When I called to say " where is the check '', I was told Fraud Department opened case but it had been cleared and I would see check in 7-10 business days. After not getting it, I called yet again and was told again it was going out and would be here in 10-15 business days. It did not arrive after 20 days. 

Now I just got off the phone again and have been told another 10-15 business days which means probably in XXXX. Maybe!!! I doubt it. 

There is no satisfaction when I call. I can't get past a XXXX XXXX XXXX XXXX. No managers available, no names or contacts of anyone above them. 
Don't have ability to overnight a check. Yet I can receive XXXX statements from their company in this time frame with no problems. These statements show that adjustment was made on XX/XX/XXXX but I still don't have a resolution to getting a check in timely manner. 

I would appreciate any help or guidance you can give me on this. I don't know where to go or who to turn too. This money is all we have. Only {$400.00} left in our bank account. How do I pay bills and buy food??? 

Please let me know what to do. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have identified discrepancies in the reporting of an account with XXXX  XXXX ( Account # XXXX ) **. Below, I outline the specific issues and request prompt investigation and correction of the inaccurate data. 

Details of Discrepancies 1. Inconsistent Closure Dates : According to TransUnion, the account is reported as closed on XX/XX/year>2020, while XXXX does not list any closure date, and XXXX provides inconsistent reporting. 
Request : Please confirm and correct the accurate closure date across all three bureaus to ensure consistency. 
2. Charge-Off Reporting Accuracy : The account is marked as a charge-off with a {$0.00} balance owed. However, if the balance was resolved in XX/XX/scrub> 2020, the charge-off status should include clarification that the account was paid or resolved after the charge-off. This is critical to accurately reflect the status of the account to future creditors. 
Request : Verify whether the charge-off status includes proper resolution details, and update accordingly. 
XXXX. Payment History Discrepancy : The payment history shows multiple CO ( Charge-Off ) marks for the period between XX/XX/year>2020 and XX/XX/scrub> 2020, but the remarks indicate payment after charge-off/collection. If payments were made or the account was settled during this period, the payment history may not be accurate. 
Request : Please verify the payment history for this period and update any inaccuracies to ensure the record reflects actual payments or account resolution. 
XXXX. Dispute Resolution Timeline : Both XXXX and XXXX note that the account was in dispute. If the creditor failed to resolve the dispute within the legally mandated 30-day period or if incomplete/inaccurate information persisted during the dispute, this is a violation of my rights under the FCRA. 
Request : Provide documentation confirming when the dispute was initiated, investigated, and resolved, and ensure the current reporting reflects accurate dispute outcomes. 

Action Requested I respectfully request that you : Investigate the discrepancies outlined above with the data furnisher ( XXXX XXXX ). 
Provide me with an updated credit report reflecting corrections. 
Inform me of the results of your investigation within 30 days, as required under the FCRA. 


Proof of identity is attached below

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report, as provided under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my report, I have identified discrepancies in the reporting of an account with XXXX  XXXX ( Account # XXXX ) **. Below, I outline the specific issues and request prompt investigation and correction of the inaccurate data. 

Details of Discrepancies 1. Inconsistent Closure Dates : According to XXXX, the account is reported as closed on XX/XX/scrub>/2020, while XXXX does not list any closure date, and Equifax provides inconsistent reporting. 
Request : Please confirm and correct the accurate closure date across all three bureaus to ensure consistency. 
2. Charge-Off Reporting Accuracy : The account is marked as a charge-off with a {$0.00} balance owed. However, if the balance was resolved in XX/XX/year>2020, the charge-off status should include clarification that the account was paid or resolved after the charge-off. This is critical to accurately reflect the status of the account to future creditors. 
Request : Verify whether the charge-off status includes proper resolution details, and update accordingly. 
XXXX. Payment History Discrepancy : The payment history shows multiple CO ( Charge-Off ) marks for the period between XX/XX/year>2020 and XX/XX/year>2020, but the remarks indicate payment after charge-off/collection. If payments were made or the account was settled during this period, the payment history may not be accurate. 
Request : Please verify the payment history for this period and update any inaccuracies to ensure the record reflects actual payments or account resolution. 
XXXX. Dispute Resolution Timeline : Both XXXX and Equifax note that the account was in dispute. If the creditor failed to resolve the dispute within the legally mandated 30-day period or if incomplete/inaccurate information persisted during the dispute, this is a violation of my rights under the FCRA. 
Request : Provide documentation confirming when the dispute was initiated, investigated, and resolved, and ensure the current reporting reflects accurate dispute outcomes. 

Action Requested I respectfully request that you : Investigate the discrepancies outlined above with the data furnisher ( XXXX XXXX ). 
Provide me with an updated credit report reflecting corrections. 
Inform me of the results of your investigation within 30 days, as required under the FCRA. 


Proof of identity is attached below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have already pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you, I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove altogether. Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditors. 
Complete payment history on this account, to prove that the amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: IQOR US INC
State: NY

Complaint narrative:
They dont even know my last payment date my last payment was XXXX and because XXXX didnt want to answer a question about forgiveness I was told I could get them couldnt a month of payment was missed while going back and forth and then purposely sent the account away then refused to provide detail and then I was threatened by security with XXXX approval on

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 2024-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is the fifth complaint I have filed on this matter and nothing has been resolved just a lot of finger pointing. A wire was sent to a non existing account at XXXX XXXX  for {$6300.00} on XX/XX/year>2024. I have attempted to have Chase Bank resolve this issue over the last 3 months. I have filed 4 complaints. 2 with XXXX and now my second with Chase. This issue is still not resolved. Chase informed me that they made over XXXX attempts to contact XXXX Bank. I filed a complaint with XXXX and was told that Chase Bank never contacted XXXX regarding this wire. The money never went into an account so it is sitting there and I need it recalled so it can be put back into my account. XXXX ID is XXXX Unique ID XXXX. This was the response I received today from JP Morgan Chase : Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We sent the wire transfer for {$6300.00} on XXXX XXXX, 2024, from your account ending in XXXX, to the account specified in the wire instructions we received. We XXXX rely solely on the account number provided and we are not obligated to identity any discrepancies between the bank, the account number, and the name. We submitted a wire recall request under case number XXXX, on XX/XX/XXXX. We sent multiple follow up XXXX messages to the receiving bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about the recall request, but we did not receive a response. We also sent a XXXX message on XX/XX/XXXX to the receiving bank for a credit confirmation. We received a response on XX/XX/XXXX that no matching transaction was found. The wire research case is considered resolved. If you would like for us to contact the receiving bank again, please call our XXXX XXXX XXXX at XXXX to reopen the case. We also sent a Hold Harmless letter on XX/XX/year>2024, and we made a follow-up call on XX/XX/XXXX ; however, we have not yet received a response. A response can take up to 90 days. 

I just heard back from XXXX that I need to open a new complaint and that Chase needs to pursue more aggressively. I have also gotten my attorney involved. Please let me know to whom he should address correspondence to regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: GA

Complaint narrative:
My account was never late! I have had exceptional payment history 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 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.

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