vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I ordered my XXXX XXXX XXXX report and my entire banking transaction 's are listed in that report. According to XXXX XXXX XXXX the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had prebooked XXXX XXXX car from dealer XXXX XXXX XXXX XXXX located in XXXX, NJ. Amount of {$2000.00} was paid as refundable deposit on XX/XX/XXXX using Citi Visa Card ending XXXX. 

The car manufacturing was delayed by XXXX XXXX until XXXX and I ended up canceling my booking in XX/XX/XXXX. XXXX XXXX processed refund in the amount of {$2000.00} on XX/XX/XXXX to my Citi Visa Card, to the same card that was used to make the booking. A copy of the credit card refund transaction batch processing has been provided by XXXX XXXX as a proof that the refund has been processed from their end. 
On about XX/XX/XXXX I saw a {$2000.00} pending credit on my Citi Visa Card online account from XXXX XXXX. That pending credit transaction vanished the next day. I followed up with XXXX Customer Service inquiring about the credit and was advised that it was normal process for pending credit to disappear, to give it a week for credit to be posted into my account. 
It has been more than 3 weeks since XXXX XXXX processed credit and I have not yet received it. 
I have followed up several times with both XXXX XXXX and Citi Customer Service. On XX/XX/XXXX I met with XXXX XXXX XXXX in person at their dealership. I was assured that they have processed the credit and amount of {$2000.00} has already been debited from their account. I called Citi Customer Service in XXXX XXXX 's Accountant presence, and we ( XXXX XXXX, Citi Customer Service, myself ) discussed on speaker phone about who is holding the money. 
There is not outcome yet and at this point neither XXXX XXXX nor Citi Visa Card can provide an update on where is the money.

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 2024-01-31 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: GA

Complaint narrative:
XXXX, & Equifax continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my report. My address is XXXX XXXX XXXX XXXXXXXX GA XXXX there should be no other addresses on my report. There are several addresses reporting that are non mailable and should be deleted. The XXXX XXXX should also be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy. 
- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802. 
- These corporations does not have my consent to report my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: DISCOVER BANK
State: TX

Complaint narrative:
These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy.

- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802.

- These corporations does not have my consent to report my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: FL

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX I last used my debit card before the incident at an ATM at XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  I noticed that XXXX was withdrawn from atms in XXXX XXXX XXXX  and XXXX XXXX This money was not withdrawn by me. I dont go to Illinois XXXX I still had my card. It was withdrawn 3 times that day. XXXX, XXXX, and XXXX. 
The problem is with a Comdata XXXX XXXX. 
I contacted the card company immediately to complain, they said they would send it to the fraud department and get back to me within XXXX business days. I also disputed the charges on the companys website. 
XX/XX/XXXX I got an email from the card company saying that they will not reimburse the fraudulent withdrawals because they have not found sufficient evidence to support your claim. There is no direct number to talk to their fraud department, they would not transfer me, they said I should email them. I find this horrible customer service and it makes it easy for them to deny my claim. 
XX/XX/XXXX I went into the XXXX XXXX that I last used my card. They told me that there was a skimmer put on their ATM machine by a scammer during that time and a lot of people got hit. I then called their XXXX XXXX. in XXXXXXXX XXXX and am waiting to hear back from them so maybe i can get something in writing. 
XX/XX/XXXX I file a report with the XXXX Police Department and disputed the charges again and gave the card company the case number and told them that XXXX XXXX had multiple problems recently with their ATM

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 2024-01-31 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I acknowledge and appreciate the time you have dedicated to addressing the removal of certain information from my file, arising from an alleged identity theft. However, there are still remaining items that require your attention. According to the FCRA Section 605, it is mandatory to eliminate any items identified in an Identity Theft Report # XXXX. Previously, I have communicated these concerns in a prior letter, and I am reiterating them in this correspondence along with a new FTC report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$32000.00} -- -- -- -- -- XXXXTRANSUNION : XXXX XXXX XXXX Balance XXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I have informed my attorney of my intentions, and they are prepared to hold you accountable in the event of willful noncompliance. Please be aware that there is a four-business-day deadline for the removal of these reported items resulting from the alleged identity theft. I want to emphasize that I do not consent to E-OSCAR or any form of automated verification.

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 2024-01-31 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: CT

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-31 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: CT

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This bank is pretty useless and has no idea how to do business in the US. 

First they suspended my XXXX service due to suspicious activity. I was sending MYSELF money between my two bank accounts using XXXX 

It was unsuspended only to be suspended for the past 3-4 months. Ive called about 20 times and spoken to different supervisors, everytime i called they tell me the same storyline. It will be reviewed in 3 to 5 business days, but it never does. My accounts are not eligible for XXXX or transfers. Oh and wait. My local branch has been out of temporary debit cards for 3 WEEKS. Offering no XXXX solution but to pay for a debit card by calling bmo service. This branch is useless, how can they still be waiting for temporary debit cards for that long? 

My account is in negative status right now, due to a payment coming unpexcted, i went to the branch to get a debit card and deposit the money later but no debit cards. Then i said fine ill call customer service to unsuspend my XXXX or external transfers BUT THEY CANT DO IT. THEY WANT TO KEEP MY MONEY HOSTAGE BY NOT GIVING ME AN OPTION TO USE MY MONEY The customer represeentative that i spoke to tonight told me sir your service has been suspended since XX/XX/XXXX, so its not 4 months. Does that sound reasonable? Having my own checking accounts suspended for 3 months due to transfering money toMYSELF

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 2024-01-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from this company advising they were attempting to collect a debt. In order to proceed with the call, they asked me to verify my name and the last four digits of my SSN. I told them that I did not feel comfortable sharing such sensitive information unless they told me what debt they were calling about. At that time, the representative advised that she would have to terminate the call unless I verified my information. The call was eventually ended because their office refused to provide the requested information. After the initial call, I placed several calls to their office but no one would tell me what debt they were attempting to collect. In the middle of XXXX, I received a credit alert advising that a collections account had been added to my credit reports. 

In this instance, this company violated my FDCPA rights by failing to provide a validation notice within 5 days of our initial contact, and refusing to provide any information about the debt during initial communication. Therefore, I was not afforded an opportunity to properly verify, dispute or resolve the debt before it was added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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 am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NV

Complaint narrative:
As of a recent date, I noticed a strenuous list of incorrect Inquiries on my credit I have no knowledge of I would like the following removed/corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-31 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: NV

Complaint narrative:
As of a recent date, I noticed a strenuous list of incorrect Inquiries on my credit I have no knowledge of I would like the following removed/corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NC

Complaint narrative:
Transunion is reporting incorrect info on my credit report. I have called them 2-3 times to have them remove XXXX XXXX XXXX XXXX NC XXXX XXXX I dont live at that address nor have I ever resided there. I called Transunion on or around XX/XX/XXXXXXXX  and again XXXX XXXX to update address info and they said it was done. To this day when I looked it has that address still remaining. There are also hard inquiries such as XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX showing XX/XX/XXXX that I have no idea of this inquiry/no accounts with anyone by that name that im aware of. US Postal XXXX XXXX XXXX XXXX XXXX, MD XXXX listed twice XX/XX/XXXXXXXX XXXX XXXX listed twice. The one reporting XX/XX/XXXX remarks credit card stolen Authorized user Last Activity XXXX XXXX Open Date XX/XX/XXXX XXXX  is incorrect. This account is open and Authorized user is correct but card not stolen just never delivered. Account is still open. Please supply me with all info you all used to verify all this. I called to freeze my credit report with you all in XXXX so why is incorrect info still showing on my report? The is a violation of 15 USC 1611 of The Fair Debt Collections Practices Act as well as 15 USC 1681 negligent and willful non compliance with the law. This is my 3rd request for you all to please remove XXXX XXXX XXXX XXXX NC XXXX and any other incorrect inquiries from my credit report.

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Requesting ECOA notice and statement of specific reasons for application denial for Chase Sapphire Reserve credit card submitted by corporate surety XXXX XXXX XXXX on XX/XX/24 under 12 CFR 1002.9 ( b ). Application was submitted on the JPMorgan Chase website as evidenced by the circled inquiry on page 12 of the " XXXX '' credit report attachment to this complaint.

Company response to consumer: Closed with explanation