vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I reached out to TransUnion by certified mailed as well as uploading information. After receiving my certified mailed they insisted that I call to verify that I sent the information through mailed regarding my Credit. I explained to them that I sent them the information I told them I will give them the registered mailed number. I gave them the number and I also sent them a copy of my DL and my SSN. They received it on last Friday XXXX. I called TransUnion on XXXX at XXXX talked to agent XXXX employee number XXXX. I explained to her my problem explained to her I was calling about my Credit Report. She said that my paperwork was not excepted after me verifying myself and after me calling them telling them I sent all the information they received by certified mailed and also I uploaded the same information to my file that they received by mail. She then told me my information was not excepted. I stated to her I sent the information in not a third party. I explained to her how my consumer law rights were being broken. Because there are fraudulent accounts on my report that I needed to be removed and also information that was violating my consumer law rights. She transferred me to XXXX supervisor who said he did not have an employee number. I explained to him how my rights were being broken how I keep calling for help on getting them removed. I sent them my information proving it's my account but they keep giving me the run around. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX then with XXXX then XXXX who told me they don't excepted FTC reports. Not understand why that information is not excepted by TransUnion.

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 2024-03-29 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:
When I checked out my credit profile there were some inquiries listed that do not belong to me.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied the Chase XXXX prime account at XX/XX/XXXX and it was approved. but I receive an mail from Chase my account will be closed on XX/XX/XXXX because of my previously closed account. My previos account was closed at the beginning of XXXX and I couldn't come back to US because of COVID. so when I got that mail from Chase, it was over 6 months and they didn't give me any reasons why they closed my account, just told me it was over 6 month and the account can not be reinstated. My account was closed by mistake 3 years ago and they did it again this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MD

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have multiple accounts with Citibank and always make my payments on-time and consistently pay my account. I use less than 40 % of my available credit yet that did not stop Citibank from reducing my credit line without notice or the opportunity to request reconsideration.

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 2024-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
This company is intentionally furnishing inaccurate information on my consumer reports, and it is doing significant damage to my reputation as seen with XXXX, XXXX, and XXXX. Their misreporting has been lowering my credit score each month because they continue to report 180-day late payment notations on my account every month. A consumer can not be 180 days late each month. Late payments progress every 30 days. This is behavior is inappropriate and unprofessional. I have already disputed this issue with them and the responded stating that the information being reported was accurate. They are in violation of the Fair Credit Reporting Act 15 USC 1681s-2. Supporting documents including a letter intended to notify the company that the account is hereby disputed is attached to this complaint.

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 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union is insured under the XXXX XXXX XXXX XXXX for up to {$250000.00} on each members deposit account which means that my account is insured for {$250000.00} yet Navy Federal Credit Union has charged me multiple overdraft protection fees over the years ( between XXXX ), which are charged {$20.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit. This is confirmation that I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts : The combined balances in a minor 's custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}. I am demanding that my account is reinstated immediately as, again, Navy Federal Credit Union has not taken a loss. NFCU has violated the Consumer Financial Protection Act of XXXX ( XXXX ) as it prohibits " unfair, deceptive, or abusive '' acts or practices ( sections XXXX ( a ) and XXXX ( a ) ( XXXX ) ( B ) of the XXXX, XXXX XXXX. XXXX ( a ) and XXXX ( a ) ( XXXX ) ( B ) ) by restricting me from my online account, debit card use, and no longer have the ability to deposit funds into my account. This has been a huge inconvenience and has caused grave inconveniences and substantial injuries as Navy Federal Credit Union was my only banking account. I have also included a copy of the charge off/debt collection letter from NFCU, my response letter to the charge off/debt collection letter from NFCU and the Consent order from an Administrative Proceeding filed on XX/XX/XXXX ordered by the Consumer Financial Protection Bureau for NFCU XXXX Your immediate attention to this matter is appreciated and I am anticipating a timely response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: IL

Complaint narrative:
Prince Parker & Associates has called me over XXXX times ( from XXXX different numbers ) about debt for another person. I have not spoken to them, but I check my XXXX credit report regularly and there are no collections against me.

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 2024-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Onemain financial is suing me for {$8900.00} as of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
Yesterday on XX/XX/2024 we was a victim of fraud we was trying to rent a property and we send the XXXX XXXX firm {$50.00} for a application fee and then we got accepted and at this point the deposit was to be sent we tried we contacted the bank and discussed with them for over a hour about this company rather is was fake or legit and they told me it was and they released the {$750.00} dollars for the deposit and they told us they was XXXX minutes away from the house with keys and to go ahead and send the rent which was {$970.00}, when bank was called to stop the transaction we was informed that they couldn't stop it because it was withdrawal from a ATM and they would be cooperative when we was told that there was nothing they can do

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: FL

Complaint narrative:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. KIKOFF LENDING LLC CLPBUT****

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence dated [ date of previous letter ], I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/year>, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports.

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.

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 2024-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Ive recently acquired an Amazon store credit card. Ive paid my account in full for three months straight. My latest payment was submitted on XX/XX/2024. I checked today to use it, and my available credit was zero. When I asked why, they said my available credit wouldnt increase for another 6 days. Totally unacceptable and against the Truth In Lending Act, by more than a week and a half. They refused to rectify the situation, and allow me access to my credit, which I paid for in full.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are several inquiries that I require proof of a permissible purpose. 
PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 

DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a consumer by law, these Fraudulent Inquiries must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Federal Trade Commission. I also called Experian to let them know that I had unauthorize and fraudulent inquires. They refused to to removed them. By law they are required to removal these inquires.

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 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Someone knows my personal information. Doing things with my knowing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: NV

Complaint narrative:
Please take a look at my credit profile it is not accurate 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 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 2024-03-29 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: DE

Complaint narrative:
I believe this account listed below is inaccurate Please investigate that this account is accurate. 

Account name : XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: TN

Complaint narrative:
I was married, we divorced last XX/XX/2023. She has not been paying her bill to XXXX XXXX. she has begun a debt consultation with a company. the issue is I'm evidently and unknowingly an authorized user on her XXXX XXXX  account and I did not know it. I called XXXX XXXX and they said she would have to remove me from her account. this was XXXX. Today my ex-wife called XXXX XXXX and had me removed as a user on her card. now I'm still showing over 120 days late on that account. I have great credit please help. thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Filed a claim with PNC bank and they did not properly investigate this claim my XXXX $ was stolen from my account and I they denied my claim twice I never authorized anyone to use my card or pin My card was stolen and I asked multiple times for them to check the ATM footage which they denied and never looked at the footage Ive also filed a police report They are also trying to blame me for the problem Instead of fixing the solution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-29 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: PA

Complaint narrative:
FCRA 605B necessitates the removal of any inaccurate accounts from my credit report. Would you mind examining the documents? There are discrepancies in the reporting of certain accounts.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY XXXX REPORT. BBY/CBNA 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 2024-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CURO Intermediate Holdings
State: MS

Complaint narrative:
The manager at First Heritage Credit calls me several times every day even when I am just ten days past due even after I made arrangements. This has been on going for months. I told her I would pay this evening when I got off work online like I always do. My note came due on the 15th, she has called every day since several times, and today called my references. I already had an arrangement. She is harassing me every day.

Company response to consumer: Closed with non-monetary relief