vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I signed up for a Citi AAdvantage card but never got one in the mail. I was given the number after I applied briefly and I bought something to activate the point offer. I paid my bill over the phone and got a confirmation email. After, I asked them to close my account. They said they did but I never received any confirmation. I called again and when I asked for confirmation they hung up on me. Please help, I feel like there is nothing I can do

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX Inquired on XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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:
XXXX, Equifax, and XXXX are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, XXXX, and Experian are reporting incorrect information on my consumer report and refuse to remove the incorrect information. I sent them a letters with a current UCC11 and identification showing that according to the Secretary of State of Texas that I had no debts or liens on my name and mailed it to them certified with return receipt about an alleged automobile loan. Also, I informed them that they are breaking federal law and my letter went with no response.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received a preapproved offer from capital one. When i applied i was declined due to recent or pending application yet they pulled my credit repirt. If i was denied for a pending or recent application there was no reason to ding my credit by pulling the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: PA

Complaint narrative:
I took a look at my credit reports and I noticed that there were some unauthorized inquiries. I have sent a FTC report and I haven't gotten a response nor a deletion of these inquiries. I then submitted another FTC report to remove these inquiries as it is identity theft. Pursuant to 18 U.S. Code this is Aggravated Identity Theft because these agencies have been made aware of the situation and they did not take action in correcting this issue.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days.

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 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: PA

Complaint narrative:
I HAVE ASKED THE COMPANY MULTIPLE TIMES TO TAKE THIS OFF MY CREDIT I HAVE DISPUTED A XXXX TIMES. THEY SENT A CARD TO MY OLD ADDRESS AND SOMEONE MAXED IT OUT THEY TOLD ME THEY WOULD TAKE EVERYTHING OFF AND SEND OUT A NEW CARD. THEY SENT ME OUT A NEW CARD BUT PUT ALL THE CHARGES BACK THE NEXT DAY SOON AS IT WAS ACTIVED

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 2024-01-05 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: GA

Complaint narrative:
these companies ran my credit without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries are all unverified and unauthorized .... they are showing on TransUnion this company ran my credit without my permission also XXXX ) XX/XX/XXXXXXXX XXXX XXXX  account is being reported through 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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I appreciate you trying to update and repair some of the data on my credit report, but some items still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I Wrote a Check to deposit from my business chase to Wells Fargo personal checking amount of {$99000.00} on XX/XX/2023 was expected to drop by XX/XX/2023 and it was not I called Wells Fargo bank I was told it we be dropped before end of the day nothing drop next morning I receive a closure email from Wells Fargo saying my savings we be closed by XX/XX/2023 because of one or 2 checks I deposited that was suspected to be altered. They need close my account by XX/XX/2023 and send me checks or any bal on my account I got another mail on XX/XX/2023 that they are waiting on my sending banks for more information about the check or something! I called XXXX XXXX  where I wrote the check and I was told the check as been release and cleared from there ends which I comfirmed because {$99000.00} was debited already from my business XXXX. But Wells Fargo keep posting my Closure date till now is postpone to XXXX I cant cope with this no more I need my money government pls address this issue

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 2024-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: CA

Complaint narrative:
I'm not the person they're calling for. 

The following phone numbers have attempted to make contact with me leaving voice mail messages asking for someone else. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: KY

Complaint narrative:
I continue my XXXXXXXX XXXX account payments held through Optum Bank from payments for XXXX made directly through Optum Financial, both departments are subsidiaries for XXXX XXXX XXXX. Due to ongoing website errors and customer service errors, my monthly payments are not being properly credited to the XXXX XXXX account maintained by Optum Bank. Please see computer screen shots of both accounts ( cobra and FSA savings account ). showing payments posted to the Optum Financial but not credited to the affiliated department of Optum Bank. - XXXX XXXX. In addition, the Optum Bank has failed to issue me a valid reimbursement for the vision medical exam on XX/XX/2023 during the active dates of coverage by the XXXX XXXX account. I am owed {$72.00} from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am filing this complaint due to an error in credit reporting by Toyota Financial Services. My auto loan account ( No. XXXX ) has been wrongly reported as " repossessed '' on my credit reports. Contrary to this, the loan was paid in full, adhering to the agreed terms. The accurate status should be " Paid as Agreed. '' This incorrect reporting has negatively impacted my credit score and has significant implications for my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have no knowledge of some of the inquiries on my account. These hard inquiries are a result of identity theft and they must be removed within no later than four business days as per 15 USC 1681 c-2.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX failed at their grave responsibility to protect my right to my privacy and violation of my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In accordance with the Fair Credit Reporting act. The List of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681a ( 2 ) ( a ) ( 1 ) : states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Due to these issues in my report, I am having a tough time providing for my family and unable to get into a home. I am unable to secure a loan for school to better my career due to these discrepancies. I want to emphasize the severe financial and emotional distress that this inaccurate and negative reporting has caused me and will continue to cause until it is resolved. 

Also, in accordance with the Fair Credit Reporting act. 15 U.S.C 1681b ( c ) ( 3 ) Information regarding inquiries states 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. Unless you have proof that I authorized these inquiries, they need to be removed as it is a violation of the FCRA.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX failed at their grave responsibility to protect my right to my privacy and violation of my rights. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' In accordance with the Fair Credit Reporting act. The List of accounts attached has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681a ( 2 ) ( a ) ( 1 ) : states the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. Due to these issues in my report, I am having a tough time providing for my family and unable to get into a home. I am unable to secure a loan for school to better my career due to these discrepancies. I want to emphasize the severe financial and emotional distress that this inaccurate and negative reporting has caused me and will continue to cause until it is resolved. 

Also, in accordance with the Fair Credit Reporting act. 15 U.S.C 1681b ( c ) ( 3 ) Information regarding inquiries states 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. Unless you have proof that I authorized these inquiries, they need to be removed as it is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: TX

Complaint narrative:
I was contacted by Credit Control , LLC dba XXXX XXXX XXXX, XXXX in reference to a debt owed to XXXX in XXXX  on XX/XX/XXXX. I responded the same day with a cease and desist letter informing them that I would prefer to deal with the creditor and not a collection agency. On XX/XX/XXXX, I received an automated call from XXXX XXXX XXXX requesting that I contact them.

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
My overage should be applied to the principal. The highest interest first based on the information from the aidadvantage website. Below is a breakdown on the payments for the past 24 months XXXX. Payment History Date Description Principal Interest Fees Total XX/XX/XXXX Payment - {$58.00} - {$140.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$58.00} - {$140.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$200.00} {$0.00} {$0.00} - {$200.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$200.00} - {$190.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$400.00} {$0.00} {$0.00} - {$400.00} XX/XX/XXXX Capitalized Interest {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/XXXX Payment - {$96.00} - {$300.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$100.00} - {$290.00} {$0.00} - {$400.00} XX/XX/XXXX Payment - {$99.00} - {$300.00} {$0.00} - {$400.00} XX/XX/XXXX Payment {$0.00} - {$400.00} {$0.00} - {$400.00} 2. Standard Payment Terms loan should be paid off in 10 years which should have started XXXX of XXXX and mature XXXX of XXXX. My payment maturity is XXXX  and I was setup in the graduated loan payment plan and not the standard plan.

Company response to consumer: Closed with explanation