vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I TRIED TO TRANSFER MONEY FROM MY CITIBANK ACCELERATE ACCOUNT TO MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/2023. I MADE THE REQUEST AT THE CITIBANK ONLINE ACCOUNT. THE REFERENCE NUMBER WAS XXXX ON THE CONFIRMATION NOTICE. ON XX/XX/2023 I RECEIVED AN EMAIL THAT MY WIRE TRANSFER IS ON HOLD. I TELEPHONED XXXX AND SPOKE TO A XXXX NAMED XXXX AND HE SAID THE TRANSFER WOULD GO THROUGH AT XXXX XXXX  THAT DAY. ON XX/XX/2023 I RECEIVED AN EMAIL THAT MY WIRE TRANSFER WAS CANCELLED. I AGAIN REQUESTED A WIRE TRANSFER FOR THE FULL AMOUNT OF MY ACCOUNT. THE CONFIRMATION NO. WAS XXXX. ON XX/XX/2023 I RECEIVED AN EMAIL THE WIRE TRANSFER IS ON HOLD. I AGAIN TELEPHONE XXXX AND SPOKE TO XXXX ( XXXX ). SHE CONFIRMED MY INFORMATION AND TRANSFERRED ME TO XXXX IN FRAUD. I ANSWERED ALL HER QUESTIONS CORRECTLY BUT SHE REQUESTED SOMETHING ON MY CITIBANK DEBIT CARD. I COULD NOT UNDERSTAND WHAT SHE WAS REQUESTING SO SHE SAID MY WIRE TRANSFER WAS REJECTED AND SHE HUNG UP. I NEED THIS MONEY IN MY CHECKING ACCOUNT BECAUSE MY SON IS IN XXXX XXXX XXXX XXXX XXXX AND I NEED THE MONEY TO PAY MY BILLS.

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. This block is not being requested in error ; this block is not being requested on the basis of misrepresentation of fact. I, XXXX XXXX, a Federally Protected Consumer, did not obtain possession of goods, services, or money as a result of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt 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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I disputed an " inquiry '' with Transunion and they still have it showing on my credit report. I've tried calling them but can't get through to someone who can resolve this issue. Also, their automated system doesn't allow an " inquiry '' to be removed even if it is incorrect. 

TU show the " inquiry '' has been " verified '' as correct after I disputed it. 

Also, this company XXXX had put this on my credit report after they told me that it wasn't me who applied for their credit card. XXXX refused to remove the inquiry when I talked to them. Why would they " hit '' my credit with a " hard '' inquiry and then say my " identify '' couldn't be verified... double talk and doesn't make sense. I had " identity theft '' on another " bank '' right after they XXXX hit my credit... so this is very suspicious. XXXX XXXX XXXX XXXX is in XXXX where the " identity theft '' happened according to XXXX XXXX XXXXXXXX when I had to deal with someone opening an account in my name w/XXXX This is somehow related but I don't know how... just very suspicious. 

XX/XX/2XXXX XXXX XXXX dual card ( inquiry date )

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off 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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AFNI INC.
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: MS

Complaint narrative:
On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX system  demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through XXXX XXXX XXXX to purchase the XXXX system. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to XXXX XXXX, XXXX for credit purposes without making it clear to me as a consumer the nature of the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the fair credit reporting act and found that you are illegally reporting fraudulent/inaccurate information about. The following alleged account ( s ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, there are numerous, fraudulent, and unauthorized hard inquiries reporting on my credit. The following unauthorized inquiries : 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 This is a violation of the FCRA and is also in violation of requisite metro 2 compliance reporting standards.

According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, and verifiable is required to be removed. 

I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report showing your compliance with all FCRA and metro 2 reporting requirements. 

Attached is a copy of FTC report Respectfully, 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 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Was over charge for fees & overdrafts

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumers credit plan as late for any purpose.

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
All three bureaus are reporting late payments on these accounts. XXXX, XXXX and Transunion. On XX/XX/XXXX i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, XXXX and Transunion are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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:
All three bureaus are reporting late payments on these accounts. XXXX, Equifax and XXXX. On XX/XX/XXXXXXXX  i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXX XXXX, Equifax and XXXX are reporting : XXXX XXXX XXXX late payment XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. in the amount of XXXX every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information.

I wasn't given any opportunity to opt out. They never gave me an option to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Credit reporting agencies are allowing a listed loan with XXXX at XXXX percent interest, well above the usury limits in Florida to deter identified predator practices against XXXX veterans. The credit reporting agencies should identify this as correct, and that they are allowing what was listed as predatorial practice percentages identified in the state of Florida to damage credit. The credit reporting agencies, also aid in the damage to my personal credit to be allowed as a tax write off in the percentage of XXXX percent, which I believe to be a fraudulent number when placed next to the state ursury law in place to prevent it. With that said, I wish the credit reporting agency to admit they are allowing these percentages to ruin credit for years, as well as companies writing off an larger than allowed percentage in tax advantages.

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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, a process server came to my house to serve me with court papers. Someone at my house answered the door and the process server from XXXX XXXX XXXX shared that the suit contained a debt I owed for Ford Motor Credit. That was the only way I was able to figure out that I owed this debt. I called Ford Motor Credit and they transferred me to XXXX XXXX XXXX in regards to my debt. After explaining it was for my lease I explained I will pay for the debt. At that time the representative on the phone advised that as long as I put my checking account on file and make 8 payments of XXXX they would suspend the legal actions and no one else would come to my house and try to serve me with court documents. On XX/XX/XXXX, the same man came back to my house and disclosed the information again to a person at my house and stated they will just leave the paperwork with her next time. This is after we already came up to an agreement and my first payment to come out on Monday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: IL

Complaint narrative:
On XX/XX/2023, I applied to open a CD account with CIT bank online through their website CIT.com I entered all of my personal information. After the website processed my information, the website said that my request to open an account was denied. I have called the CIT customer service several times asking for the reason my account was denied. The first said they did not know, and that I would get an email explaining why in the next few days. I never got an email so I called again on XX/XX/2023. They said there may have been a problem verifying my information, but the answer was vague. I asked for a reason to be provided to me in writing. They said they would send a letter in the mail to me. I never received a letter. 

I checked all three credit bureaus to see if there was an issue with my credit. I confirmed my credit report was clean and that I have a high score. I want to know why I was rejected by CIT because I am concerned there may be something incorrect on a consumer report that I do not know about. I want CIT to tell me, in writing, why they rejected my application and tell me what consumer reports they looked at to make the decision to reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: MN

Complaint narrative:
I had a 42 month lease with USBank. They have continually messed up my payments and sent me bad information about the lease. The XXXX payment was due on XX/XX/XXXX and I paid it on time. Now they have continued to show the payment due for XX/XX/XXXX and sent me a paper bill in the mail, even though I've gone through the end of lease process with them. I believe they are fraudulently trying to collect extra money from 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 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, therefore any such debt, in fact does not exist. In accordance to the fair credit reporting act, this account has violated my rights as U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

I ALSO DO HAVE AND DO NOT RESIDE AT THE ADDRESS IN WHICH THESE COMPANIES PROVIDED THUS IS ILLEGAL WITHOUT MAIL VERIFICATION TO REPORT INACCURATE INFORMATION ON MY BEHALF

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