vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally express my concern with the lack of transparency regarding mileage earnings on Citi 's airline partner credit cards, both personal and business. 

Specifically, there is no clear indication of how many miles each transaction earns. This issue is particularly problematic when factoring in bonus earn categories, such as XXXX miles for restaurants, XXXX for gas, and XXXX for XXXX XXXX purchases and so on. 

Neither the Citi website nor the monthly statements provide a detailed breakdown of miles earned per transaction, which makes it difficult for cardholders to accurately track and manage their rewards. This lack of information hinders the overall user experience and reduces the value of the bonus categories offered by Citi. 

I kindly request that Citibank address this issue by providing a detailed, transaction-specific mileage breakdown either on the website or in the statements. For comparison, all other major banks and partners have already been acting in such a transparent manner. 

Thank you for your attention.

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 2024-10-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) Account number : XXXX Balance : {$440.00} ( Original Creditor : XXXX XXXX  ) Account number : XXXX Balance : {$94.00}

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 2024-10-16 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: TX

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$10000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-16 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: GA

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. 

Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 2024-10-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following 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

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, Equifax and XXXX. 

Please delete the following 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: CA

Complaint narrative:
It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXXXXXX Balance : {$2800.00}

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 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened an online BMO account and had my direct deposit sent to this account back in XXXX of this year. I was in XXXX  while my direct deposit from the VA was sent to my account and my ID and ATM cards were stolen while I was in XXXX. When I got out I reported it but almost {$4000.00} was stolen from my account and BMO only sent me dispute credits for about {$2000.00}. I call to ask them what is going on and they say they are still investigating although it's been way longer than the 30 days they say they will take. Also they denied some of my disputes and approved some even though they were on the same day all of which days I was in XXXX and gave them proof of that.

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 2024-10-16 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: TX

Complaint narrative:
I, XXXX XXXX. 
XXXX. XXXX. 
XXXX. 
XXXX. XXXX. 
XXXX. 
AFFIDAVIT OF IDENTITY THEF XXXX, being duly sworn, hereby depose and state : Identity Information Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Affirmation of Identity Theft I affirm that I am a victim of identity theft. I am challenging a dispute with a Federal Trade Commission ( FTC ) report regarding the following unauthorized accounts and inquiries that have appeared on my credit report. Unauthorized Accounts to be Removed The following accounts are fraudulent and were opened without my consent : XXXX XXXX  ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : Charged off XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed XXXX-XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Inquiries to be Removed The following inquiries were made without my permission : XXXX / XXXX XXXX  / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  / XXXX Request for Updates For the account below, please update the payment dates for XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} Legal Justification Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy of these items and request their removal due to violations of my federally protected consumer rights. Specifically : 15 U.S.C. 1681 Section 602A guarantees my right to privacy.

15 U.S.C. 1681 Section 604A ( 2 ) prohibits reporting agencies from furnishing accounts without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) restricts adverse items older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that no inaccurate information should be furnished.

Notice of Compliance If the accounts listed can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Failure to respond satisfactorily within 30 days may result in legal action.

Further Affiant Sayeth

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 2024-10-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX. 
XXXX. XXXX. 
XXXX. 
XXXX. XXXX. 
XXXX. 
AFFIDAVIT OF IDENTITY THEF XXXX, being duly sworn, hereby depose and state : Identity Information Name : XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Affirmation of Identity Theft I affirm that I am a victim of identity theft. I am challenging a dispute with a Federal Trade Commission ( FTC ) report regarding the following unauthorized accounts and inquiries that have appeared on my credit report. Unauthorized Accounts to be Removed The following accounts are fraudulent and were opened without my consent : XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : Charged off XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : Charged off XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed XXXX-XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Unauthorized Inquiries to be Removed The following inquiries were made without my permission : XXXX  / XXXX XXXX  / XXXX XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  / XXXX Request for Updates For the account below, please update the payment dates for XX/XX/XXXX and XX/XX/XXXX : XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} Legal Justification Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute the accuracy of these items and request their removal due to violations of my federally protected consumer rights. Specifically : 15 U.S.C. 1681 Section 602A guarantees my right to privacy.

15 U.S.C. 1681 Section 604A ( 2 ) prohibits reporting agencies from furnishing accounts without my written consent.

15 U.S.C. 1681c ( a ) ( 5 ) restricts adverse items older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that no inaccurate information should be furnished.

Notice of Compliance If the accounts listed can not be verified, they must be removed immediately in accordance with FCRA Sections 609 & 611. Failure to respond satisfactorily within 30 days may result in legal action.

Further Affiant Sayeth

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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:
XXXX XXXX XXXX XXXX XXXX  DC XXXX

Dear, CPFB
I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code  1681b In general. Subject to subsection (e), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(F) otherwise has a legitimate business need for the information (i) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code  1681i, Paragraph (5) Treatment of Inaccurate or Unverifiable Information (A) In general. If, 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 cannot be verified, the consumer reporting agency shall- (i) promptly delete

The following inquiries are unauthorized: on *Experian Report*
Creditor: JXXXX 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 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 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 explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> & XXXX XX/XX/year>

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 2024-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Inappropriate sell of title. to Arbitration Clause my repo was done in a ILLEGAL matter, as the debtor i was mislead in the purchase of the vehicle contract at hand, between seller and assignee. After signing the contract with a down payment to the dealership the vehicle was paid off with my Vehicle Identification Number stated in the truth in lending disclosures, which was purchased for household use. This purchase was made Violating Federal Truth in Lending Act, 16 CFR 433.3, and or FINRA. ANY CLAIMS MADE AGAINST ME WAS SUPPOE TO BE DONE PROPERLY IN DOCUMENTS TO ARBITRATE BEFORE REPO.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023 & XXXX XX/XX/2023

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 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year> & XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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