vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: SD

Complaint narrative:
I paid off my loan at the closing of my home on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite my loan being paid off and having a XXXX balance, XXXX XXXX XXXXLoan Care electronically pulled {$2500.00} out of my account without my permission. 

When I contacted them, I told this was an error as my loan had been paid in full and had a XXXX balance before the money was electronically pulled from my account, which means the taking of that money out of my account was theft. Despite this, the company would not electronically refund my money. Rather, they told me that they would unilaterally grant themselves 15 business days to provide a refund and there was nothing I could do about it. 

Now, XX/XX/year>, more than 15 business days later, I have not received the refund. I have contact their customer service several times and I have been told that they won't do anything as " it is not their policy to electronically refund money '' and I simply have to sit and wait for them to mail me a check, which again still has not arrived as of XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: IL

Complaint narrative:
am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the XXXX data breach and as a result I'm also a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to XXXX Trans Union and XXXX XXXX to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed 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 non-monetary relief
Consumer complaint received 2024-09-27 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SoLo Funds Inc.
State: OR

Complaint narrative:
I have been trying to resolve this problem with a loan I was never able to withdraw since XX/XX/year>. I spent XXXX days trying to troubleshoot and somehow get those funds out of the digital wallet where it cant be use. You have to transfer it to your own checking account to access it. Solo funds told me it was an engineering issue and that they would fix it, but that was XXXX weeks ago and they never did. It was a {$400.00} loan that I never received a XXXX of. They assured me I wouldnt be charged the repayment, as I never got the loan out of the solo wallet. But this morning, XX/XX/year>, I was charged {$440.00}, for the loan plus a tip, and my bank cant reverse it. Solo has to cancel that transaction, but they are unreachable. Both phone numbers I was able to find go to voicemails that are full. They dont respond to emails anymore since saying it was an engineering problem, and Im now hundreds of dollars overdrawn because of them with no hope of getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: DC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account # XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : 1. The method used to verify the accuracy of this collection account.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ).

Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ).

Also multiple times they have repossession the car can not be repossessed every month.

Thank you for your prompt attention to this matter. I expect a response within the 30-day period allowed by law. 
Sincerely, 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 2024-09-27 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:
I received a copy of my credit report and found the following items to be " INACCURATE ''. XXXX. INACCURATELY REPORTING XXXX Account numberXXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXXXXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXXXXXX XXXX Account XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR XXXX. INACCURATELY REPORTING XXXX XXXX XXXX XXXX number : XXXX  VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened a US Bank Silver Business checking account XXXX on XX/XX/year> and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
XXXX, XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Collection Opened at at 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft CriminalComplaint ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Order Date : XX/XX/year> Amount : {$130.00} Company : XXXX XXXX XXXX  Paid By : Chase XXXX XXXX XXXX My complaint is with JP Morgan Chase A claim was created by JP Morgan XXXX On XX/XX/year> I received a tracking number and description of product from XXXX XXXX XXXX. Upon reading the description it indicated I was receiving ( XXXX ) gold earring hoop instead of a pair of earrings. I immediately contacted XXXX XXXX XXXX to confirm what was written and they told me it was for ( XXXX ) gold earring hoop. Since the package was not shipped only a label was created, I told them to cancel it. They apologized for the inconvenience and was not going to pull the package or cancel the order because it was a final sale. I told them I did not see I was getting ( XXXX ) gold hoop, I have XXXX ears and I need another earring. 

I contacted JP Morgan Chase and opened a claim. They credited me the {$130.00} after I received the package and REFUSED it and mailed it back to XXXX XXXX XXXX. JP Morgan credited me at this time. XXXX XXXX XXXX reshipped the package back to me and I REFUSED it again and mailed it back to them. I am not in the possession of the ( XXXX ) gold hoop earring. 

Today I received a letter from JP Morgan Chase stating the {$130.00} will be debited from my account because they feel it's now in the hands of the merchant and the seller. They are debiting my account on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MD

Complaint narrative:
I opened a US Bank Silver Business checking account XXXX on XX/XX/2024 and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2024-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Submitted initial complaint on XX/XX/year> because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/year> requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/year> there is no update and information should be removed from my credit report or Civil Suit will be filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Submitted initial complaint on XX/XX/2024 because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/2024 requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/2024 there is no update and information should be removed from my credit report or Civil Suit will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Submitted initial complaint on XX/XX/year> because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/year> requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/year> there is no update and information should be removed from my credit report or Civil Suit will be filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NC

Complaint narrative:
Disputed discrepancies on my report asked for proof multiple times still have not received. 

Reports attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XXXX XXXX, 2024, I received an email from Goldman Sachs/ Apple Card notifying me that they were committing an Adverse Action upon me by lowering my Credit limit from XXXX $ to XXXX $ in violation of 15 USC 1681 a ( 2 ) k, for no other reason than information they illegally obtained without my written consent from XXXX XXXX who illegally violated 15 USC 1681b ( 2 ) by reporting harmful information upon myself and my person without my written consent and instruction. I called both Apple and XXXX XXXX and got no help.

Company response to consumer: Closed with explanation