vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 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: DISCOVER BANK
State: NY

Complaint narrative:
According to the IRS, an unpaid charge-off is considered income, and according to the FCRA, income can not be reported on a credit report. Im requesting a 1XXXX ( Cancellation of Debt ) from the following charged-off account listed below : DISCOVERBANK XXXX After checking my most current report, the updated information stated the account was discharged and is now considered as income. This account can not be reported as a charge-off on my credit report if the account was discharged due to bankruptcy. Please send the 1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am REWRITING to complaint BK OF AMER about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-08-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I mailed certified copies of disputes to Experian ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ) via USPS. They were delivered and processed, however, they did not comply with what I asked them to do. I asked them to properly investigate these inaccurate accounts that were reporting on my credit report. They failed to properly investigate these accounts AND send me proof of their investigations. 

On XX/XX/XXXX, I mailed a 2nd round of disputes. They still came back with the same results but not telling me HOW they are coming up with these results. Experian ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ). The results came back VERIFIED and UNCHANGED but still no explanation on their findings. 

According to 15 USC 1681 ( i ) 7, a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

As of XX/XX/XXXX, I have mailed a 3rd round of disputes to these agencies hoping they will comply and DELETE these inaccuracies since they are failing to properly investigate and follow federal law. Experian ( # XXXX ), XXXX ( # XXXX ), XXXX ( # XXXX ). 

These accounts listed below are in questioning and should be properly investigated and REMOVED IMMEDIATELY! 

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 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 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 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 2024-08-05 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX of this year, I filed a complaint with the company in question regarding the account ALLY FINCL ( XXXX ), with whom I am experiencing issues related to my credit report, specifically that it shows a series of late payments for which I requested certification to confirm that I indeed made the payment errors. The account has already been fully paid off ; however, the payment report represents a degradation of my credit status. I submitted that complaint with the intention of correcting my report for that account. The company 's response was a compilation of payments and previous letters, from which they did not provide the certifications, leading to uncertainty about whether the information they are presenting is accurate. Therefore, I am filing a new complaint to request a correction of this report or its removal from my credit history. Additionally, this company is providing incomplete information to the credit agencies, showing discrepancies with the credit bureaus, which constitutes a violation of my rights under 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-05 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 in 60 days 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
Consumer Financial Protection Bureau Filed via XXXX XXXX XXXX XXXX Hello, I am reporting a likely credit card scam. 

The reasons this appears to be a scam are : The letter came from the US Bank, XXXX XXXX Department, XXXX XXXX XXXX, XXXX, FL XXXX. I do not have any present credit cards issued by US Bank, nor to the best of my knowledge ever had a credit card issued by US Bank. 
The above address refers to a XXXX XXXX XXXX which can not be confirmed as belonging to USBank using publicly available means. 
The letter refers to the State of Viginia. In fact, according to the Virginia Constitution, Virginia is a Commonwealth, not a State. 
The letter refers to an Amount : {$210.00}. I do not recall leaving such an amount on a credit card issued to me. 
The letter directs me to call an unknown XXXX number to call for more information. None-the-less, I call the XXXX number The person who answered the phone stated his name was XXXX but refused to provide any other identifying information such as a last name or employee ID. 
XXXX requested my credit card number. As I stated above, which I repeated to XXXX multiple times, I do not have any present credit cards issued by US Bank, nor to the best of my knowledge ever had a credit card issued by US Bank. 
XXXX clearly stated without my credit card number, he could proceed no further. He offered no alternative approach. At this point I hung up the phone. 

For the reason given above, I am declaring this a likely credit card scam. 

All right to the unclaimed property remain mine until this likely scam matter is resolved. 

Best regards, 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 monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
jefferson capital Re : Validation of Debt and Cease and Desist Notice Account Number : # XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of the alleged debt. Please be advised that statements alone are not sufficient evidence of a debt, as established by the case XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 

Accordingly, I am requesting that you provide the following documentation : A detailed accounting of the alleged debt, including the original creditors name, the amount of the original debt, and a complete transaction history. 
Any and all relevant agreements, contracts, or documents bearing my signature that would indicate my obligation to pay this debt. 
Furthermore, I am issuing a cease and desist notice. This includes the following instructions : Cease and Desist All Communication : Do not contact me further in any manner, including but not limited to, phone calls, letters, emails, or text messages.

Cease and Desist from Reporting to Consumer Agencies : This notice also includes a demand for removal of this account from all consumer credit reports.

Please be advised that any continued communication, including reporting this account to consumer agencies, will be considered a violation of this cease and desist order. 

Litigation Costs : Should it become necessary to pursue litigation due to your failure to comply with this request, the following are estimated costs associated with such action : Filing Fees : {$350.00} Service of Process : {$100.00} Legal Representation : {$200.00} per hour ( estimated 10 hours ) = {$2000.00} Court Costs : {$150.00} Miscellaneous Costs ( e.g., document preparation, travel ) : {$100.00} Total Estimated Costs : {$2700.00} Please consider this letter as a formal notice of my intent to seek redress through legal means if necessary. I expect your prompt action to cease all further communication and to remove the account from my consumer reports. 

I appreciate your immediate attention to this matter. Please send written confirmation of your receipt of this letter and your compliance with my requests. 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/24 established required information to make a transfer out after XXXX accounts ( cd 's ) matured and then they would transfer into a savings account that I would be transferring out of. The transfer was to take 1-3 days. I caught the company, Marcus by Goldman Sachs, reversing the transaction and then locking my account. After speaking with XXXX different people saying they couldn't authenticate me, the XXXX person said the only way to get the funds would be to close the entire account, which I did not want to do. They suddenly could authenticate me, send me a text and a code that I read back, they then closed the account and initiated a transfer. The transfer was too late for me to take advantage of the investment I was interested in. This resulted in me losing out on {$80.00} from that investment. I contacted my attorney and we wrote a letter asking for compensation for all of this nightmare, stress and loss on investment income. I spent days and hours going from XXXX person to the next. Their response was to give me {$25.00} credit to my account calling it " goodwill ''. I responded that it was insulting and ultimately asked for {$200.00}, the {$80.00} from the lost investment, and the hrs. I spent on the phone getting nowhere and losing out on work sales. this does not really take into account the extreme stress they created by locking my account and illegally holding my funds. To add insult to injury, today XX/XX/24, after receiving an email to show my statement, they once again locked me out of my account. After spending another XXXX XXXX minutes on the phone being told they needed to authenticate my bank account, which XXXX had not changed since I transferred XX/XX/24 and XXXX. I was not currently trying to deposit or withdraw. The repeated illegal locking of my account and then wasting my time to remedy the situation is ridiculous and feels vindictive. I was not called, emailed or text about the bank account needing to authenticate. They just lock my account up. It is VERY UNNERVING, to not have access to my OWN MONEY again. I have screen shots from their website during the time they withheld my money and there was nothing about new procedures or longer times for transfers and authentication

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I have been paying my mortgage since 2014. Recently i changed my banking institution and updated the new info in the NewRez portal. For some reason, the update did not work on their systems, and I was not notified. They reverted to my old information and tried to draft payment from my old account. This caused an NSF fee from both sides ( my old bank and NewRez ). Not only did it cost me money, but now, if I try to set up the autopay option, they will not let me do it. I have to make 6 payments in a row in order to " deserve '' autopay. It has been proven by academics and the industry in general that having an autopayment setup decreases the risk of missing payments ( some banks even promote it with lower interest rates ). I think this new restriction from NewRez is designed to increase the chances of missing future payments from low risk customers. I think they do it on purpose to get more NSF fees and boost earnings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reported to my bank that I lost my wallet and phone after leaving a gas station, where I had last used them. A few days later, I noticed unauthorized transactions on my account. Initially, I believed my card was locked, but it turned out it wasn't. then filed a fraud claim. The amount of unauthorized transactions was substantial. 
Despite this, I am confused as to why I am unable to get my money back and why the investigation into my claim was less than 24 hours completed. 
Additionally, I was informed that any credit applied to my card would be reversed on XX/XX/XXXX due to the denial of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items 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 2024-08-05 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: CA

Complaint narrative:
This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had these accounts. I have already reported these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting my account as late on my credit report. I never gave this agency written consent to disclose to any bureaus about my payments according to the FCRA USC 15 1681b and 15 USC 1666B. 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. Please have this inaccurate information removed and update my payment status to current with all bureaus. thank you for your prompt response and updating inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: IL

Complaint narrative:
I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation