vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-09 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: MA

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 confidentially under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, account # XXXX has violated my rights 15 U.S.C 1681 section 602A. 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 : 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 consumer to any consumer reporting agency if the person knows or has reasonable causes 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 2024-06-09 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: MA

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 confidentially under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, account # XXXX has violated my rights 15 U.S.C 1681 section 602A. 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 : 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 consumer to any consumer reporting agency if the person knows or has reasonable causes 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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
YOU ARE IN VIOLATION OF 15 US Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the Transunion, XXXX and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX ( XXXX XXXXXXXX ) I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.

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 2024-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Back in XX/XX/year>, I deposited my tax return checks, a few days after the checks were cleared, Citibank decided to close my account. They kept avoiding me and giving me false hopes without explaining to me what Can I do to get my account unlocked. I called everyday for weeks asking what were the solutions to the issue and I kept doing everything they asked for and nothing happened, I went to the branch in person and brought all documents proving the check and the account belonged to me, they refused to help me and treated me very poorly. They were avoiding me and doing the least to help me. I did everything they asked me for. Its been almost 4 months and I have not received or hear anything. Citibank closed my account and keep sending me statements stating I have 0 dollars in my account which is incorrect. Please help 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Santander Consumer has been over 30 days non responsive to Notice of Dispute Demand for Validation and Proof of Claim. According to the FDCPA 15 USC-1692, 15 USC-1666 and the TILA 15 USC -1601. Notice sent to Santander Consumer XX/XX/year> delivered XX/XX/year> Certified mail return receipt. As of today XX/XX/year> no response to validation of alleged debt nor corrections to credit reporting agencies have been made. Certified mail # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: NY

Complaint narrative:
I am writing concerning my credit report, which contains inaccurate and incomplete information that necessitates your immediate attention. I specifically wish to dispute the account : The basis for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX have already rectified these inaccuracies due to an identified error. I am perplexed as to how your bureau has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file, as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXXXXXX 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 2024-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
THE FOLLOWING INQUIRIES ARE UNAUTHORIZED-FRAUDULENT INQUIRIES THAT NEED TO BE REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX THE OTHER ISSUE IS MY CURRENT ADDRESS SHOULD BE : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EMPLOYMENT SHOULD BE DELETED PLEASE UPDATE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I purchased XXXX Vanilla Gift card on XX/XX/year> for {$500.00} ( I have receipt from purchase that I attached ) to send to a friend in need. Upon receiving the card, she was not able to purchase anything with it. She visited several stores with no luck. I called customer service XXXX separate times and was given a case number and told they would pass on the information to the correct department. I have not heard from anyone or received anything in the mail. Apparently, I am not the only person having these issues with the XXXX Vanilla gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
YOU ARE IN VIOLATION Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
YOU ARE IN VIOLATION Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, Equifax and XXXX has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant information. XXXX. XXXX main financial # XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX Credit # XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 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:
On XXXX and XXXX, and XX/XX/XXXX, XX/XX/XXXX .I sent certified letters to the credit bureaus and they were notarized. in reference to inaccurate information and reporting on my credit report. The bureaus have failed to respond to my request and provide me with the method they used to re investigate this matter. Keeping mind this is not my first request. It seems that the XXXX, XXXX and Experian has failed to acknowledge prior request. Their practices are unethical as well violating my consumer rights per FCRA sections, 15USC 1681i, 15USC1681i ( 5 ), 15USC1681 section 602 A, 15USC1681 section 604 A section 2, and 15USC1681c ( a ) ( 5 ). The following accounts listed below have not been accurately reporting which includes but not limited to, incorrect opening and closing dates. last payment dates and other relevant informationXXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX Credit # XXXX XXXX reinserted on credit file XX/XX/XXXX, was not notifed within the XXXX ) XXXX. XXXX XXXX # XXXX XXXX XXXX XXXXXXXX ) I have attached the letter that was sent to each bureau as well the certified receipts.The credit bureaus have disregarded all my request in which has extremely violated my consumer rights and had negative effects on my credit which has blocked me from obtaining decent housing and providing for my family.

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 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My Ally Auto Finance is due on every XXXX of the month. I paid it on the XXXX or XXXX of the months. However, Ally Auto Finance is reporting it 30 days Late. Prime example, my due date was on XXXX XXXX, I paid on XX/XX/year>. However, Ally Auto Finance posted the payments on XX/XX/year>. As result, it was reported late. I Always PAID via XXXX XXXX XXXX. Ally Auto Finance refused to correct the ERRORS. Enough is Enough, at the beginning of the loan Ally Auto Finance representative improperly Entered my BANKING information into the computer. Ally Auto Finance representative admitted that the previous representatives mistakenly entered the wrong banking information. And yet, still refused to correct the errors on my credit reports. I even had to make payments arrangements because of errors. Ally Auto Finance is affecting my credit. I NEED ALLY AUTO FINANCE TO CORRECT THE ERRORS.

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 2024-06-09 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: FL

Complaint narrative:
Equifax has been inaccurately reporting on my account, XXXX and XXXX  my credit report. I have tried to fight this several times and it hasnt been removed or successfully resolved. There are accounts that are reporting as open when the collection or accounts have been labeled as charged off. I need this removed immediately, per 15 usc 1681 it has been breached and isnt fairly reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Recieved approval letter from bank credit card Company called. XXXX credit ( INDIGO credit cards XX/XX/year> company request additional information for approval .a copy of Wisconsin drivers license .also letter with address lSubmitted the documents request ed .Notice on recording indigo machine XXXX states they are are a Collection Agency who trying to collect old delt i. Instead of a company trying to issue out credit. This company is COLLECTION agency trying to collect old dealt. Which misleading due I don't owe this company. Which l summits important information .then recieved Denial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-10 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: VA

Complaint narrative:
tracking number : XXXX Date of Discovery : Upon reviewing my Transunion credit report on XX/XX/year>, I discovered several discrepancies in the collection account reported by XXXX XXXX XXXX. ( Amount : {$870.00} ) Discrepancies Identified : Address Discrepancy : The address listed on the collection account does not match the official address registered with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Phone Number Discrepancy : There is a discrepancy in the phone number associated with the collection account. Each credit bureau lists a different phone number for XXXX XXXX XXXX. 

XXXX XXXX : The same collection amount is reported under different names across various credit bureaus, raising doubts about the accuracy and legitimacy of the reported information. 

Failed Attempts to Obtain Original Contract : Despite multiple attempts through phone calls to XXXX XXXX XXXX, I have been unable to obtain the original contract or any proof of the debt. 
Actions Taken : On XX/XX/year>, I contacted XXXX XXXX XXXX via phone to request the original contract and proof of the debt. However, they failed to provide the necessary documentation. 

On XX/XX/year>, I sent a dispute letter to TransUnion, outlining the discrepancies and requesting the removal of the inaccurate collection account from my credit report. 

Impact : These inaccuracies undermine the integrity of my credit report and unfairly impact my creditworthiness. 

Laws Violated : 15 USC 1681i : Failure to properly reinvestigate the disputed account and remove unverifiable information.

15 USC 1681s-2 : Failure of XXXX XXXX XXXX to provide accurate information and to properly investigate the dispute. 
15 USC 1681e ( b ) : Failure of TransUnion to ensure maximum possible accuracy of the information reported. 
I am formally requesting the assistance of the CFPB to ensure that TransUnion and XXXX XXXX XXXX comply with the FCRA and correct the inaccuracies in my credit report. I have enclosed copies of official documents confirming the correct address provided by the State Corporation Commission Clerk 's Information System and other relevant supporting documents for your reference. 

Thank you for your attention to this matter

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 2024-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX, 2023, I received a response from XXXX XXXX ( senior specialist in Corporate Consumer Relations for Synchrony Bank ) stating that my savings accounts have been closed with Synchrony Bank as of XX/XX/year>. He stated that the funds in those accounts would be returned to the originating banks, or will be placed in a general ledger waiting reclamation of the funds from the originating banks. My originating banks were XXXX and XXXX XXXX XXXX XXXX 

XXXX XXXX  has informed me that no funds were recieved, as did XXXX. 

I have reached out to the contact information provided by XXXX XXXX by phone dozens of time since then, to no avail. I needed to contact XXXX XXXX to let him know that my originating bank account with XXXX was no longer open, as I had closed it to open my Syncrony Bank accounts in XXXX of 2023. I do, however, have a different account with XXXX, which is not the originating account ( as that has been closed ), however, it is my other account with the same originating bank. My XXXX bank account is still currently being used. He has not responsed to my calls or voicemails a single time. 

Currently, Syncrhony Bank possesses {$45000.00} of money that is owed to me upon closure of my XXXX Savings accounts with them. I reached out to Synchrony Bank customer service several times, and I was informed by them that they have no way of updating account deposit information for me to recieve the money, as they can not contact their back office, and asked me to follow up with XXXX. They informed me that a deposit was attempted by Synchrony Bank in the amount of {$45000.00}, though they could not send me proof of such a deposit for XXXX to attempt to trace that ACH deposit. 

XXXX representatives have been working with me diligently since XX/XX/year>, but have not been able to recieve a response from Synchrony Bank back office when trying to request/reclaim the funds on my behalf. They were unable to locate a transfer made by Synchrony bank in the amount of {$45000.00} as claimed by Synchrony Bank after their own investigation and attempts to reach out to Synchrony Bank 's back office. Thus, XXXX has requested I follow up with Synchrony Bank to request for the funds to be deposited into my current account with XXXX, which Synchrony Bank has said they are unable to do, as the back office can not be reached. 

As of right now, despite my XXXX accounts with Synchrony Bank being closed for close to seven months since XXXX XXXX- I have no access to my funds totaling {$45000.00}, which I would like to have deposited in my current XXXX 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