vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 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:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Received multiple direct mail packages in XXXX for a Citi XXXX Savings Account. Opened account on XXXX with a deposit of {$10000.00}. 

Offer terms were to hold the deposit for at least XXXX to receive XXXX XXXX bonus miles. It is now XX/XX/XXXX and bonus miles have not been received. I have contacted Citibank no less than XXXX times about this offer fulfillment, via both chat and phone. I have been given the run around- told to call when Im chatting. Told the offer willl be fulfilled on x date. Told to fax in the offer. Told to send in a hard copy. I am angry and frustrated as I have spent at least three hours on the phone this evening trying to resolve. 

I was disconnected twice. Waited over 40 minutes to speak with a supervisor. Told that I would be out on hold for 10-15 minutes. Spoken over time after time. Told that I couldnt submit photos of the offer via email. Fax only? Really- in XXXX for one of the biggest banks in the US ? Then told I had to mail in a hard copy? So then I no longer have physical evidence of the offer? 

Why should the onus be on the consumer to prove that I have an offer? I completed every step as outlined- from going to the URL on the direct mail package to depositing funds to holding them. 

I am moving my money now and hope that the CFPB can help. 

Having just worked on solving an OCC consent order at XXXX, I can not believe that Citibank can stay in business with offers like this one that they are not fulfilling. Ive also worked at XXXX XXXX in XXXX and have experience with the CFPB there. Please intervene here on behalf of the consumer. Thank you.

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 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

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 2024-04-13 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: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-04-13 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: PA

Complaint narrative:
I believe FCRA 605B says we must take away wrong accounts from my credit report. Can you check the papers? Some accounts listed have wrong info about what's reported, like wrong amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: FL

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Advanced Resolution Services Inc.
State: GA

Complaint narrative:
To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within 30 days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within 30 days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 2024-04-13 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: 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 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 2024-04-13 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: OH

Complaint narrative:
I have an old account with XXXX XXXX  that is a charge off account on my credit report. They told me that if I wanted the balance to be reported as a XXXX balance that I had to mail in a check to them at their company po box and wait 7-10 business days for them to update the balance on the account. I mailed XXXX XXXX  {$1000.00} on XX/XX/year> and I paid the post office additional money to have them sign for the check, and for a tracking number so I can see when it was delivered. The check was delivered to their XXXX XXXX XXXX XX/XX/XXXX. It has now been 12 business days and they are reporting that they received the check, but they don't know where the check is. This is extremely confusing. They have a team that is unorganized and unprofessional, there is a communication barrier and just a lack of concern for my situation. I have submitted an overwhelming amount of proof that I sent the payment in, they admitted it was delivered to their po box but they are still not updating the balance to XXXX dollars. I am in the process of buying a home and they are holding up the process and they have no sense of urgency to handle my concern no matter how many times I call. I have disputed this with Experian multiple times and they have not addressed the situation correctly either and they are not considering the evidence I have presented to them. XXXX XXXX  or XXXX as it shows up on my credit report has the money I sent for my past due balance but they are not updating my balance to XXXX and now they are saying the money is lost and I have to contact their money investigation department via fax instead of letting me speak to them on the phone or just letting me cancel the check and pay over the phone to get this over with. XXXX XXXX  has an outsourced customer service team that are in another country and the customer service experience is terrible. They are cold, harsh and unprofessional. I haven't seen any compassion or concern each time I called. It's like they know they are keeping my credit score from rising and intentionally stringing me along even though I paid the 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 2024-04-13 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: FL

Complaint narrative:
In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required XXXX notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor. 

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.

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 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My Wells Fargo card got stolen and information was taken On XX/XX/XXXX a fraudulent check was deposited to my account for {$1100.00}. On XX/XX/XXXX an ATM withdrawal for {$400.00} was completed along with another ATM withdrawal {$720.00} on XX/XX/XXXX Since everything happen around XXXX on XX/XX/XXXX when the check was deposited and equal money was withdrawn I didnt notice it on my account. 
On XXXX XXXX I received an email from my bank saying that my account had reached XXXX balance thats when I checked my app and saw a negative balance on my account and I called the bank I filed 2 claims 1 for the check & the other one for both the ATM withdrawals ( {$400.00} & {$720.00} ) Well Fargo closed my claims and will not help at all now they told me I need to pay the {$1100.00} out of pocket in order for my account not to be at a negative balance or send me to collect

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 2024-04-13 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: GA

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/2024 I made a call to Citizens bank to make a XXXX time payment towards to my Citizens mortgage using my Citizens XXXX  account. My monthly mortgage payment is paid via XXXX XXXX XXXX XXXXXXXX checking account. The representative was only provided my Citizens XXXX  account number for the XXXX time payment. But since both bank XXXX  accounts are listed, the representative ( XXXX ) wasnt paying attention and used my XXXX XXXX XXXXXXXX checking account for the XXXX time payment. This caused a $ XXXX overdraft in my XXXX XXXX XXXX  XXXX  account. By the time the transaction from XX/XX/XXXX had actually processed it was XX/XX/XXXX. I use my XXXX XXXX XXXX XXXX  account as my primary account to pay my monthly bills, all of which are on autopay. It was the first week of the month and I had no money in my account. I thankfully had some money in my XXXX  XXXX XXXX XXXX account and was quickly able to transfer money to my XXXX  account to pay all my bills. I knew it would take time to investigate what happened and I couldnt wait for nor rely on Citizens to fix the issue. I spoke to a few people at Citizens ( XXXX, XXXX and XXXX XXXX. They didnt seem to understand the severity of the issue. They kept saying dont worry you have a few more weeks until your Citizen monthly mortgage payment is due. My Citizens monthly mortgage payment was the least of my concerns. I kept asking if Citizens would have paid my other bills ( HOA, internet, cable, cell ) if they werent able to fix the issue immediately and no one had a response. In the end, the transfer of money from my XXXX XXXX XXXXXXXX XXXX account to XXXX  account fixed the issue. I didnt trust Citizens to reverse everything correctly to process it from the Citizens XXXX account. It was also going to force me to provide additional documentation and the level of stress and time I spent fixing the issue myself was already too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
I lease a car at XXXX XXXX in XXXX XXXX  a few months back, not even XXXX weeks with the car, the car had multiple issues, smoking from the engine and everything. I tried to get the issue resolve at the dealership, however they didn't care to assist me. So I returned the car, gave them back the keys and till this day the car is sitting at the dealership XXXX advise me to have to car tow to. XXXX XXXX in XXXXXXXX XXXX. From early XXXX since I returned the car and ask them to close the contact. Nothing is being done.XXXX  is the XXXX at XXXX XXXX. XXXX and Stellantis Financial Services continue to do nothing about this situation pretending I have this car, knowing I turned the keys and the car back to the dealership months ago before I even received an invoice from them. I also reach out to Stellantis Financial Services today and all they want is money from me for a car I DO NOT HAVE! All I'm requesting is to get my Down payment money back so I can look for a new car. I'm about to go on XXXXmonths without a car.

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 2024-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: National Consumer Telecom & Utilities Exchange, Inc.
State: GA

Complaint narrative:
To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within XXXX  days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information. 

Sincerely,

Company response to consumer: Closed with explanation