vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
On XX/XX/year> I noticed my SoFi debit card was stolen from my car along with my phone. I called SoFi on the XXXX at XXXX to let them know my card was missing. The following afternoon, XX/XX/XXXX, I was able to get into my account and I noticed many charges I did not make on my card. I called to let them know at XXXX on the XXXX to notify them and try to resolve the matter, they informed me they opened disputes. They supposedly started and completed their 'investigation ' into the matter in 1 business day, I was informed today they have concluded that the charges were not unauthorized. I have a very hard time believing that they did an investigation into this matter in under 24 business hours. Since receiving the email, I read on many online forums they are notorious for doing this. The following charges were not authorized by me and were made when my card was stolen ; XXXX XXXXXXXX XXXX XXXX # - {$50.00} XXXX XXXX XXXX # XXXX - {$28.00} XXXX XXXX XXXX  XXXX XXXX T - {$100.00} XXXX XXXX XXXX XXXX XXXX - {$320.00} XXXX XXXX  # XXXX XXXX XXXX - {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX - {$28.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX - {$210.00} XXXX XXXXXXXX XXXX # XXXX - {$550.00} XXXX XXXX - {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: IL

Complaint narrative:
Transunion, XXXX, & XXXX are all reporting incorrect information. There are late payments on the account listed as XXXX Account # XXXX the consumer agencies are reporting late payments differently. 

TransUnion is reporting a late payment XX/XX/year> XXXX XX/XX/year> and XXXX XX/XX/year> since the information does not match up it means this account has not been properly verified as accurate. Remove these late payments immediately. 

( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-06-10 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-10 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
XX/XX/XXXX, a Credit Alert was sent to me reflecting that my credit score dropped by XXXX points due to a 30 day late payment marked on my personal reporting. This same event happened before on XX/XX/XXXX, I checked my Credit Report and saw a late marked from TD Bank. I looked online and couldn't see the account in reference. I went into the branch and they admitted that my new business credit card was not linked to my customer profile to make any payments until fixed at the TD Bank branch yet they still auto 30 day late to Credit Report. The manager called the collections department together with me to attempt to get it removed but fell short of getting it done. Collections stated that I need to open a case for it was out of their hands. 

This time in XXXX, I can see the account online but they obviously still have it tied to my personal SSN. 

This a business account that has its own XXXX  associated to it. Why is it appearing on my personal credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Entered an application XX/XX/XXXX with XXXX XXXX at BOA. They took our info and we got a PreQualification for XXXX. Through the process it was known we were in XXXX  and the home we wanted to purchase was in XXXX and my XXXX was XXXX. At no time within XXXX weeks ( denial on XXXX ) were we told we would not be able to get an XXXX loan due to my XXXX not having current work in XXXX At every turn they needed more money, more documentation, more information and i almost XXXX XXXX XXXX XXXX. They needed us to show funds in our account- i got a XXXX XXXX from my XXXX and i liquidated my XXXX for XXXX which XXXX was removed for taxes. This was all done per BOA needing to restructure the loan or get XXXX down. This is all the while bills are generating for Inspections, Appraisals ( which BOA took {$700.00} from me up front and only cost {$400.00} ), title work who knows what else. On XX/XX/XXXX i got a call and a denial i sent a letter to the BOA XXXX office. XXXX XXXX reached out took our complaint and she said she'd get back me. XX/XX/XXXX she stated the dept said my loan was not " saleable '' and no path forward but was checking on other options and i'd get a call on XXXX. XXXX came and went with no call and on XXXX my BOA home page no longer had the Mortgage info so that was my clue there was a denial. XX/XX/XXXX XXXX called and emailed me my denial letters and apologized for not calling. I told her this should never had taken so long since other financial institutions i called for help stated BOA should never had gone this far. I want to recoup my {$700.00} Appraisal Fee, {$380.00} Inspection Fee, {$320.00} Title Work, and {$3000.00} XXXX liquidation fed taxes back for the debacle that is my declined XXXX Loan. Ive banked with BOA for quite awhile and this has been notably the worst experience Ive ever had. Unprofessional and they are obvious not experts on XXXX loan criteria. I feel even worse for the Sellers for the let down and time wasted.

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 2024-06-10 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: AZ

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me XXXX. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important XXXX XXXX, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I hope we can fix this problem soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-10 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: TX

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurately Reported Charged Off Account Dear Dispute Department, I am writing to request the removal of a derogatory and inaccurately reported charged-off account from my credit report, as maintained by TransUnion. The account, associated with a personal loan company, has been reported under the account number XXXX. This account reporting includes details that I believe violate Title I of the Consumer Credit Protection Act, specifically under 15 U.S. Code 1601, which demands accuracy and transparency in credit transactions and reporting. 

Here are the particulars of the account : Account Number : XXXX High Balance : {$430.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Account information disputed by consumer, meets FCRA requirements Last Payment : XX/XX/XXXX Past Due Amount : {$420.00} Account Type : Unsecured loan Term Length : 7 Months Payment Frequency : Monthly Given the serious discrepancies and potential violations of the Truth in Lending Act 's mandates for accurate and fair credit reporting, I am requesting an immediate investigation into this account. Should this account have been inaccurately reported, or if the creditor can not substantiate their claims with sufficient evidence, I insist on the full removal of this entry from my credit report. 

Please complete this investigation within the statutory timeframe of 30 days as required by the Fair Credit Reporting Act and notify me of the results. If this investigation results in the removal of the disputed information, I would appreciate confirmation of these changes and a revised copy of my credit report. 

Should you find this dispute to be XXXX, please provide detailed documentation, including any relevant evidence, to support this conclusion. Enclosed are copies of documents supporting my position. 

Thank you for your immediate attention to this matter. I look forward to your prompt and detailed response. 

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 2024-06-10 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: CT

Complaint narrative:
If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I received a copy of an XXXX form in the mail which is referencing the mentioned account. Please see the attached documents for further details regarding this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
I have XXXX to remove fraudulent and inaccurate from account multiple times.

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 2024-06-10 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: NC

Complaint narrative:
I have XXXX to remove fraudulent and inaccurate from account multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: NC

Complaint narrative:
I have XXXX to remove fraudulent and inaccurate from account multiple times.

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 2024-06-10 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: MD

Complaint narrative:
There is inaccurate information being reported on my consumer report. Please see the attachments for further details. Thank 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 non-monetary relief
Consumer complaint received 2024-06-10 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: MD

Complaint narrative:
There is inaccurate information being reported on my consumer report. Please see the attachments for further details. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Old Staement : My Capital one debit card was stolen XX/XX/year>. I filed the dispute XX/XX/year> with capital one. The fraudulent charges in the amounts {$2500.00}. and {$3200.00} was disputed. At the time that I disputed these, I was very XXXX. I had just got out of the XXXXl and was on bedrest when all this happened. I informed capital one to the best of my knowledge about the transactions and what had happened with my card. When I started to feel better I called the merchants myself. One of the merchants told me that it was a male that had use my card to check into a hotel. Capital one never did an investigation about this and denied my claim. Capital One did not protect me and my funds. Capital one gave me a credit for half the money back and then did My clean the next day or the same day?. New statement : Capital one has not investigated early. They are assuming things and they know that I did not make these transactions and thats someone else done so. My entire bank account and online access was compromised. One has not done anything about this, but gave me half of my money back and are threatening to take that back on XX/XX/XXXX. They never contacted the hotel where all my funds was used by a male. I spoke with the hotel myself, they informed me that a male used my card to check in. My XXXX hacked my online banking and locked me out also. Its like Im doing the investigation myself. This is not right. I need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
EQUIFAX, XXXX, XXXX ARE REPORTING FRAUDULENT INQUIRIES ATTACHED ARE XXXX AND A LIST OF THE FRAUDULENT INQUIRIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-10 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: GA

Complaint narrative:
XXXX, EXPERIAN, XXXX ARE REPORTING FRAUDULENT INQUIRIES ATTACHED ARE XXXX AND A LIST OF THE FRAUDULENT INQUIRIES

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 2024-06-10 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXXXXXX Account # 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 2024-06-10 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: Bread Financial Holdings, Inc.
State: CT

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect lat
e payment record on my CB/VICSCRT XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation