vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On the XXXX of XXXX I called Citi Bank customers service because the bank tried to access my bank for XXXX payment which I never authorized and Ive been paying the monthly amount since XXXX. This month was the first month they tried to collect the statement balance and I tried to work with the customer service representative but he got abusive and when I asked for a supervisor I was told they didnt havent any. I informed him that he has to forward me to a supervisor after I have requested one. The call got heated after that so I closed my account which he did do after much back talk. As of the moment my account is closed but I will keep an eye on it. Any help in this matted would greatly be appreciated. 
Thank you in advance, 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 2024-05-15 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:
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 2024-05-15 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:
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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
This is not a request for credit reporting, but TITLE errors and mismanagement of my Title providing XXXX as lien holder. 
I am writing to bring to your attention a matter of significant concern regarding the ineptness displayed by your team in processing my request for a corrected title. 
Despite numerous attempts and communications with various Chrysler Financial employees, I have encountered a series of frustrating obstacles in obtaining the corrected title required for my bank loan 's security interest and the addition of XXXX XXXX XXXX as the lienholder of record. Regrettably, these attempts have been met with repeated failures and delays, leaving me in a state of considerable inconvenience and dissatisfaction for over 2 years. 
The inability of Chrysler Financial to fulfill such a fundamental and necessary requirement reflects poorly on the company 's professionalism and competence. As a customer, I expect a higher standard of service, especially concerning matters as crucial as legal documentation associated with financial agreements. 
I urge you to investigate this matter promptly and take the necessary steps to rectify the situation without further delay. I expect nothing less than a prompt resolution and the issuance of the corrected title in accordance with the agreed-upon terms of our arrangement. 
Furthermore, I request clear and transparent communication regarding the steps being taken to address this issue and a reasonable timeframe for its resolution. I trust that you will prioritize this matter appropriately and ensure that such lapses in service do not occur in the future. 
Please consider this letter as formal notice of my dissatisfaction and a demand for immediate action. Failure to address this matter satisfactorily may compel me to explore alternative avenues to remedy the situation. 
I appreciate your prompt attention to this matter and look forward to a swift resolution XXXX XXXX to Present Chrysler Financial / Title / Executive Level Communications Team have been responsible for the delay in Title naming XXXX as lienholder. This has resulted in my auto loan interest rate increasing from XXXX % to XXXX %. An increase that XXXX did not send proper documentation to alert me of the increase until I noticed a {$20.00} difference in my monthly payments. 

XXXX - XXXX Title1 lost. Title 2 sent without proper signatures XXXX- Incorrect Title sent XXXX Significant delays in title with multiple promises of receipt made and no action taken

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-15 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: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 explanation
Consumer complaint received 2024-05-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I Received a credit card form my bank witch is Bank of America of which i did not apply for they sent me a card in 2005 i just found out the it is illegal... not only that but the credit limit went from XXXX to XXXX, ..i, m not sure what to do but i have been paying it off through a debt consolidation ..what too do now???? please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CA

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. 


XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX BANK : # XXXX, has violated my rights. 


After reviewing my credit report recently on XX/XX/year> I noticed some things are incomplete and not accurate. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-05-15 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: VA

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.

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 2024-05-15 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: Experian Information Solutions Inc.
State: SC

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. Please see attached file for these items I am complaining.

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 2024-05-15 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:
XXXX XXXX ACCOUNT IS IDENTITY THEFT AND REPORTING FRAUD ON MY CONSUMER 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 2024-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
The company has charged off the debt and refused to send me the 1099c so I can file my taxes. You can not report income, therefore they have to delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX Rent Bureau XXXX XXXX XXXX XXXX ( XXXX ) RE : Willful Non-Compliance I initially sent a formal dispute on XX/XX/2024 your company responded XX/XX/2024. The results came back verified accurate. After reading the FCRA 15 USC 1681 ( a ), I now realize that credit reporting must be fair and accurate. Sub Section 4, states that consumers have the right to privacy. My privacy has been grossly violated which brings me to violation 1 of the many. Somehow, I was opted in to your credit reporting so therefore I have the option to opt out. As of XX/XX/2024 I am opting out. Your company is party to libel, defamation, and slander of my character and ability to pursue happiness. This report under the FCRA is not fair or equitable to me in any way. While understanding the FCRA, it states, an investigative consumer report must include personal interviews. Please provide expeditiously, the information of date, time, and with whom you spoke to obtain the interview. Please be advised, I am aware that factual information should not be used directly from the creditor. I am also aware that for items to be reported to my credit report there should permissible purpose. The FCRA outlines 2 reasons for which one can report this information, you have neither. However, if your company does have a permissible purpose, I request you to mail that to me within the next XXXX ( XXXX ) days. Also, if your company does have any documentation of me opting in to your company reporting, I am now opting out as XX/XX/2024. Additionally, the FCRA finds your company as a ( Reseller ), and I am aware that you generate capital ( make money ) from the reselling of my personal information.

In order to avoid a lawsuit, you must comply with the following settlement demands : 1. To delete any and all of my personal information from your database and never report it again.

2. The settlement agreement of {$2500.00}

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 2024-05-15 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: AR

Complaint narrative:
I have credit cards from back in XXXX and now it no credit records its dated XXXX. I still have the credit cards. No impact on my credit. I'm not being reported correctly on both ends, XXXX won't even update my credit and my true background report. 

Everytime I apply for a mortgage or a vehicle, here come incorrect credit collection. They are just putting anything they can on my credit and it's effecting me I have a family. How is possible when credit mean so much for someone to lie and report false information? It stops a person from advancing in life its illegal. I should not have fake credit problems. Show something truly delinquent.

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 2024-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
I had my phone stolen on XX/XX/year> and subsequently had my Robinhood account hacked the following day. The hacker was able to successfully sell off {$9900.00} worth of stocks and buy the crypto currency XXXX. He then transferred the XXXX to some account that is untraceable. 

I was able to get a new phone and contact Robinhood on XX/XX/year>. Robinhood told me that they would submit my claim to their fraud department and help me get my situation resolved as soon as possible. During this investigation process, Robinhood began selling off my stocks to cover a negative account margin. They sold off {$7600.00} worth of my stocks to cover this negative balance ( this is higher than what I said over the phone ). When I contacted Robinhood and asked why they would sell off stocks to cover a negative balance that I just claimed as being fraudulent, the customer representative claimed she had no idea my account was being investigated for fraud and would look into the matter more. She then ended the chat without answering any more of my questions. On XX/XX/year> Robinhood sent me an email stating that they looked into my case and believed I did not meet their requirements for reimbursement. The email did not specify why or how I did not meet their requirements, so I called and asked. On XX/XX/year> I was told by a customer support agent that someone higher up would be calling me to explain why I did not meet that requirement, but it has been over a week since that promise and I have not heard back from them. 

Because of this entire situation, I am out {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dispute documents where sent in XX/XX/2024, there has been no response. A 30 day demand to comply letter has been submitted, and there still been 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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dispute documents where sent in XX/XX/2024, there has been no response. A 30 day demand to comply letter has been submitted, and there still been 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 2024-05-15 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: OR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: WI

Complaint narrative:
These collections agency 's also companies has continued reporting false info to my credit bureau companies which the name shown on these accounts.does n't match. My account name l have provided enough information num times l have requested to remove these items which Don't belong l provided given enough infor which identification Wisconsin to remove. Accounts which has been shown fir for years l wasn't aware these accounts .which shown these accounts hasn't place no lieins garnishment, or place Judgement.

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