vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, fifth third closed my account without any communication from me. I received a XXXX  from my friend XXXX of XXXX XXXX that he still confirms sent yet they still close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My account was close on XX/XX/2024. The reason given was they said I am involved in the sale or distribution of XXXX. That is not me I am XXXX XXXX XXXX XXXX Not Sr. I explained to Citibank over a few emails that it is not me and I have nothing to do with the sale or distribution of any controlled substances. I was told they can close my account for any reason and they are standing by their decision. 

Rewards vouchers were issued in XXXX, a month before they closed my account. Now that they are paperless I did not receive XXXX in the mail so I asked Citi for access to my voucher which is owed. I was told no and it is forfeit because they closed my account. This voucher is for roughly {$680.00} and I am denied it because of negligence on their part by not verifying they had the right person. My credit score also dropped XXXX points because of this.

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 2024-04-09 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:
I was informed by a bank that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct t on what they are doing.

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 2024-04-09 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 was informed by a bank that my account was denied due to information listed on XXXX, XXXX XXXX Experian. XXXX, Experian XXXX XXXX are XXXX XXXX not a credit bureaus. A XXXX XXXX is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, Experian XXXX XXXX is not correct t on what they are doing.

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 2024-04-09 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: TX

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was contacted via telephone on XX/XX/XXXX regarding a debt that I was accused of owing. The caller stated that I owed over {$200000.00} to the Department of the Treasury related to a Small Business Administration loan from XXXX. This SBA loan was secured and held by my cousin, XXXX XXXX. He worked with an attorney to resolve this debt using an Offer In Compromise. He paid the SBA a lump sum of {$110000.00} which was made in order to resolve this debt. The debt collector at XXXX XXXX XXXX claimed that this loan was never resolved and has been delinquent ever since XXXX and has been solely attached to my name. They are working off of incorrect information and this debt no longer exists. Furthermore, this is the first time I have ever been contacted regarding this supposed debt. It has taken nearly a decade for this attempt at collection to occur.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out to dispute the listing of this bankruptcy on my credit report. This circumstance is particularly alarming as I have in my possession a letter from the court explicitly stating that this bankruptcy should not be reported to you. Furthermore, the participation of an unauthorized third party increases the ludicrousness of this situation.

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 2024-04-09 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: NY

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-09 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: NV

Complaint narrative:
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
National Enterprise Systems XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX contacted my wifes employer ( School ) to speak to her about a personal matter was extremely rude to the secretary. 

XX/XX/XXXX contacted my wife during business hours on her cell phone to talk to me. She was extremely rude to me even after I told her that I spoke to a representative the week prior.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Throughout the duration of this account, I've consistently made timely payments, ensuring they never lapse into overdue status. I'm uncertain about the rationale behind the late payment remarks appearing on my accounts. Referring to 15 USC 1666b, any billing errors should be rectified.

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 2024-04-09 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: CBC Companies, Inc.
State: FL

Complaint narrative:
To whom it may concern, I'm looking at my credit report and I see a charge off on my credit report from U.S. Bank. According to Pub L. 85-866 Section 8.Section 166 ( d ) ( 2 ) a " charge off '' is a taxable event which makes it income. So it is UNLAWFUL for the credit reporting agency to report charge offs on the report as I have a right to privacy for all of my income. Please remove immediately. Please note this is a notice of pre arbitration if the charge off is not removed. Thank you. Regards All rights Reserved XXXX XXXX XXXX XXXX XXXX Without Prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: SC

Complaint narrative:
ON XXXX XXXX, I WAS IN XXXX MISSISSIPPI FOR A LAW ENFORCEMENT CLASS ( XXXX XXXX RECOGNITION ). WHILE ASLEEP AT THE HOTEL DURING THE NIGHT TIME HOURS MY CREDIT KARMA CHECKING ACCOUNT WAS COMPROMISED AND DRAINED OF MONETARY FUNDS. WHEN I WOKE UP THE FOLLOWING MORNING AND CHECKED MY CELL PHONE THERE WERE NOTIFICATIONS THAT MY BALANCE WAS {$27.00}. MY BALANCE BEFORE I WENT TO SLEEP WAS {$1200.00}. I IMMEDIATLY CALLED CREDIT KARMA CUSTOMER SERVICE. THEY STATED MY ACCOUNT AND CARD WERE LOCKED FOR SECURITY CONCERNS/FRUAD. I OBSERVED MULTIPLE XXXX XXXX WITHDRAWAL 'S FROM MY CREDIT KARMA ACCOUNT. I FILED A POLICE REPORT WITH THE XXXX XXXX XXXX XXXX XXXX IN SOUTH CAROLINA. THE DISPUTES WERE BROKEN INTO XXXX INCIDENTS PER THE DISPUTE CENTER FOR CREDIT KARMA. CREDIT KARMA COMPLETED XXXX CLAIM AND DEPOSITED {$340.00} BACK INTO MY ACCOUNT IN VERIOUS INCREMENTS. I IMMEDIATLY MOVED THE MONEY TO A SECURE BANK BECAUSE MY ACCOUNT WAS COMPROMISED. CREDIT KARMA SENT AN EMAIL TO MY PERSONAL ACCOUNT STATING THEY DENIED THE CLAIM FOR {$810.00}. I CALLED TO APPEAL THIS PROCESS GIVEN THAT THE CUSTOMER SERVICE REP STATED A CARD WAS ADDED TO MY ACCOUNT THAT I DID NOT HAVE IN MY POSSESSION NOR OWN. CREDIT KARMA WAS REQUESTED BY ME TO HAVE THE XXXXNVESTIGATOR CALL OR REACH OUT. I ALSO REQUESTED TO SPEAK WITH A SUPERVISOR. I HAVE NOT RECEIVED ANYTHING I REQUESTED. I RECIEVED AN EMAIL TODAY XX/XX/2024 FROM CREDIT KARMA STATING MY ACCOUNT IS FROZEN AND IT WILL BE CLOSED. I HAVE EXHAUSTED MYSELF TRYING TO SPEAK TO SOMEONE TO FIGURE OUT WHY MY FUNDS HAVE NOT BEEN RETURNED AND MY ACCOUNT IS BEING CLOSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-04-09 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: BARCLAYS BANK DELAWARE
State: ID

Complaint narrative:
XXXX purchases were made by me on my credit card in XX/XX/2023. I enrolled in the deferred payment option for both purchases that the credit card was offering during the same billing period. 

When I saw my XXXX statement I noticed that the entries made by XXXX XXXX ( I believe that this is the name of the company the credit card company uses for their deferred payment plan ), the entries were incorrect and created an additional debit for each item on my account. I made numerous phone calls to customer care and no one would even look or tried to understand the difference between debits and credits or review my statement. They said that the statement was correct. After getting no where, I sent a letter with examples explaining why the entries were incorrect to Credit Card Billing Disputes, Card Services and Credit Card Payments departments. The package sent to Card Billing Disputes was certified and I received notification that it was received and signed for. During my phone conversations with them, I told them that since this seems to be an issue, I will go ahead and pay for these XXXX purchases on my XXXX statement, but they need to cancel the deferred payment plan. They said they could not cancel the deferred payment plan. Leaving me to pay for the items on my statement and then deferred payments for the next XXXX months. 

I have not heard back from them. I sent them a message a month ago asking for the status of my complaint, and they never responded. 

I deducted the XXXX original purchases from my XXXX statement. I always pay my monthly balance in full with the exception for this time. When I received my XXXX statement I noticed that they did not mark my statement paid in full as they always had in the past indicating that I still owed for my XXXX original purchases. As the months went by, I stopped using this card to bring my balance due to the original XXXX purchases. They are using the payments I have made toward recent purchases to apply to the XXXX XXXX plan. By the end of XXXX months, my account balance will end up being double the original purchase amounts. I am more than willing to pay for the XXXX original purchases as long as they delete the deferred payment plan.

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 2024-04-09 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 recently reviewed my consumer report and I noticed a account that I did not apply for and didn't look familiar or give authorization to, After reaching out to the CRA and the creditors, I was advised they did not have file of me applying for credit with their company but both insisted on pushing-back even though they know i let them know the items in question i did not belong to me and the creditors agreed that it is a violation of my consumer right under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and I want these items removed ASAP because it had a negative impact on 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 2024-04-09 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: NV

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
Once again, I am going to file this dispute and continue filing until the back office responds correctly. Stop giving me generic responses. Please acknowledge the emails and files sent to you by the merchant indicating to Release the funds that were refunded to my card by the merchant. The merchant has proof and has shown the refund in multiple attachments. I will keep filing until you acknowledge this and stop lying about waiting for a response from the merchant. I also have audio calls of the merchant trying to contact SOFI who is not responding to the merchant. Payment auth forms have been given by the merchant along with refund letters

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I've consistently maintained timely payments on this account, never allowing them to fall overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-04-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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