vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: LA

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 XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. Upon closer inspection, I have identified several inconsistencies that are grounds for deletion : XXXX. Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information, including the date of last payment, the date opened, and the date last active. 
XXXX. Inconsistencies Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( TransUnion, XXXX, and XXXX ). 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA XXXX ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA XXXX ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit bureaus ( XXXX, TransUnion, and XXXX ) to delete the incorrect and inconsistent account from my credit report. The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.

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 2024-07-05 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by XXXX as accurate. Upon closer inspection, I have identified several inconsistencies that are grounds for deletion : 1. Incorrect Information : The account status listed on my credit report by XXXX contains incorrect information, including the date of last payment, the date opened, and the date last active. 
XXXX. Inconsistencies Across Credit Bureaus : The account status is inconsistent across the three major credit bureaus ( XXXX, Equifax, and XXXX ). 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit bureaus ( XXXX, XXXX, and Equifax ) to delete the incorrect and inconsistent account from my credit report. The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX & XXXX : Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX 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 2024-07-05 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:
This is my last and final correspondence to your non-compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of accounts that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the accounts XXXX question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you XXXX more chance. I have attached an invoice for violations. Please remit payment to address on invoice. Please investigate and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: TX

Complaint narrative:
I have repeatedly since XX/XX/XXXX tried to get this account to show the payment made on our account on XX/XX/year>. You have reached out to XXXX XXXX card showing the account was in fact paid in full. I spoke with XXXX today with badge number XXXX. He is a supervisor with XXXX XXXX He in fact said on a recorded call that it was paid in full ; he shows a XXXX balance and that he would after I sent in writing proof, I paid it escalate it to show paid. 

I do not believe as a consumer I should have to keep reporting proof to them it is in fact paid in full. This account is hurting us being able to get a home. It has taken almost 4 months and 2 complaints to you to get them to update on XXXX and XXXX, XXXX has not been updated and after speaking with them said the last communications with PCB was May 0f XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-07-05 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: SC

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citi violated XXXX violation regarding sections XXXX and XXXX of the XXXX XXXX. 

I had researched the Citi credit cards and learned from the Citi Entertainment FAQs website ( https : //citientertainment.com/faq ) about certain benefits and features of Citi credit cards which included stating that applicants who apply online and are approved for the Citi Rewards+ card may also request instant access to their card 's temporary account details upon request. 

On XX/XX/year> I submitted a credit card application to Citi and received instant approval for a Citi Rewards+ card. I then learned certain aspects of the Citi credit card offerings and process are deceptive and misleading after I applied for the Citi Rewards+ card specifically to have the ability to purchase event presale tickets same day which upon closer examination, turned out to be false. 

Even one of the post-application Citi webpages indicated that I can request instant access to my cards temporary account details. The temporary card details were needed to purchase presale event tickets and I was unable to access any card detail through the Citi app, Citi website, Citi customer service chat, and Citi customer service phone team. The above website statement is false as none of the customer service agents were able to provide the temporary card details, even through multiple attempts to contact Citi, and I was advised that either this was not possible or I had to wait an additional 48 hours which did not prove to be true. This has caused a major inconvenience and inability to purchase event tickets due to the inability to obtain the temporary card number which I met the criteria advertised on the Citi Entertainment FAQs and on the post-application Citi webpage for the Citi Rewards+ card.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2024-07-05 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: WI

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
dated : XX/XX/XXXX Per the FCRA ( Fair Credit Reporting Act ) as a federally protected consumer. I am now opting out of " any and all " authorization. I the consumer may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802-6805, Privacy Act Of 1974. 

Also in violation of : 15 USC 1681 Permissible Purposes - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. 

- In other words meaning ( I ) the consumer have to first and foremost give written signature/consent to rightfully endorse.

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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX 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 2024-07-05 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: 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX : Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX 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 explanation
Consumer complaint received 2024-07-05 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: 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. 

Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX & XXXX : Account Number : XXXX Account Name : XXXX, XXXX & XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 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 explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My name is XXXX XXXX and I went into Wells Fargo on XXXX XXXX to deposit a check. I had my debit card on hand and I have an account in good standing for the last 1012 years. I walk to the teller And presented my check she looked at the check and asked me did I file my taxes myself. She then went and got a manager and the manager then went with her to go verify the check which is reasonable after 20 minutes they came back they came Back and proceeded to tell me that my check was likely fraudulent and they had to do more verification. I told them thats what the deposit hold Time is for. The two ladies went and gathered another lady and they stayed at the computer another 30 minutes or so Looking over this check. The manager proceeded to come over and asked me did I have any papers saying that this check was valid and I told her no because it was a federal check and they dont come with paper attached. she then proceeded to go back to the computer flipping the check over holding it up to the light trying to verified Ive had an account with Wells Fargo for the last 12 years she knew who I was and my account is in good standing, and I had my debit card in the process of verification that was unnecessary. She then proceeded to come back to me and asked me again do I have any papers validating this check which is totally embarrassing because people are watching this whole thing out as if Im not even paying or a customer I told her do you want to see my tax records shes in stated yes in the middle of the bank lobby and I had to pull up my XXXX XXXX  and show her that the IRS had tried to deposit that money several times and the account was closed because they all did my taxes and it took them about a year to get it to me and it had attached because they kept it so long, which was none of her business and I had to pull up my tax paperwork. I asked him to pull up the computer so they can see that or ordeal play out and yet they just blew me off saying that that was justified invalidating other chick and because the participants were XXXX and XXXX it couldve been discrimination and that is the last legal case states that discrimination has been validated intra race also This is my second time they told me to send a settlement demand letter, which I did and they completely denied it and sent me a letter for mediation. I dont understand how they can see that on camera otherwise validated and necessary from a paying decade long customer. Crazy thing about this entire deal is they denied that for me but when they got sued for the false accounts, they created three fake accounts in my name that I got paid for and the last class action that they had because they created fake accounts but the scrutinized paying customers as if were the criminals is ridiculous.

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