vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX credit card issued by citi bank was recently closed back in XXXX. I contacted citi bank for the reason and they told me they mailed out an ssa-89 form to verify my identity back in XXXX. According to citi bank I had 30 days to fill out that form and return it to them to keep my account open. When I noticed my account was closed and I called those were the reasons they gave for my account closures because I never sent that singed document back to them. The only issue is citi bank never sent me such a document in my mail, email, or phone number. I told them that and they said they sent it and can't do anything about it. I went to my closest usps to see if they were holding any documents from me and they did not have anything. I even to to ups and XXXX and none of the postal couriers had any documents for me. I have never received any document such as that in my mail if I did I would have signed it and sent it back. I told them to re send that for me to sign and they denied to send it. I have tried to deal with citi bank but they are not being reasonable. I have truth to believe they closed my account due to racism because I am XXXX  and my last name ends with XXXX, citi has even recently been fined by the cfpb for closing XXXX  credit card accounts and I believe I am a victim of there act. If I wasn't a victim of racism they would send that document for my to sign and send back to them which they won't do. I have had my XXXX XXXX for a year and their reasoning for closing my account does not make sense. Please investigate what citi bank has done to me and tell them to re sent that document to me and re open my credit card account. I can send them anything they want I am willing to comply

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 2024-09-03 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-03 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This XXXX XXXX company in violation of the FCRA and FDCPA has been repeatedly contacting me regarding a purported debt that I have not paid. They have not produced the accounting ledger showing the history of all transactions, including the one that allowed them to attempt to collect on this fraudulent account.This account is not mine. I made this company aware that this is the result of identity theft, to which I have completed and FTC identity theft report. To not avail, they continue to harass me conspiring to violate my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I pulled my credit report and noticed these 2 accounts are being furnished by the wrong creditor. Both these accounts were Sold. please remove from my credit report FURNISHER : XXXX XXXX Account number ending with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : Im unable to verify account information with this specific creditor REQUESTED ACTION : please remove from my credit report. 




FURNISHER : XXXX Account number ending with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : Im unable to verify account information with this specific creditor REQUESTED ACTION : please remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was not able to login to my account or use my ATM card. I called citibank on XX/XX/XXXX, they stated there would be a letter explaining the reason for the closure of my account. That my account would close in 60 days, and any funds that were in my account would be mailed to me. I received a check for the amount that was in my checking account, but still have not received a check for the amount of {$980.00} ( I believe ) that is in my savings account. Called several times, and customer service representatives keeping saying it's has something to do with security, so my account is still open, it's been almost 90 days and I still have not received a check for the amount that is in my savings account. It's XX/XX/XXXX and still no check from my savings account and no letter explaining the reason for closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — Store credit card
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: CITIBANK, N.A.
State: WA

Complaint narrative:
Can not get XXXX Citibank to deny false credit application. Can not get them to remove inquiry on XXXX. Can not get them to confirm with a letter. It almost appears that they benefit from identity theft. 


Thank You 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 2024-09-03 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: IN

Complaint narrative:
I am asking for your help with the misreported account on my credit report, which has been detrimental to my reputation. The mistakes in handling my credit report have caused me significant hardship, and I need your help to address this matter. It is essential to clear these mistakes for the sake of my family 's well-being.

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 2024-09-03 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: IL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX account numberXXXX

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 2024-09-03 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: IL

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Disputed INAUTHORIZED INQUIRIES or Credit Report FOR you are reporting inaccurate and incomplete credit information. Pursuant to 15 U.S. Code 1611 credit bureau is criminally liable.

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 2024-09-03 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:
In XX/XX/2023 I ended up XXXX XXXX XXXX XXXX XXXX and was XXXX for at least 6 months. Attempts to contact XXXX XXXX at this time always ended with phone calls directing me to email their customer support team documentation such as my doctor 's letter to validate the financial hardship I was going through. The credit card company never saved the copy of the letter. Fast forward one year and I am able to submit the letter to their company through a reply from a credit bureau complaint I made regarding late payments during the period I am describing above. However, they say they will not investigate it further despite having enough evidence to prove they were wrong about the payment options. This company has made it incredibly hard to report hardship, to negotiate terms and even to increase credit limits.

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 2024-09-03 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:
In XX/XX/year> I ended up XXXX XXXX XXXX XXXX XXXX and was XXXX for at least 6 months. Attempts to contact XXXX XXXX at this time always ended with phone calls directing me to email their customer support team documentation such as my doctor 's letter to validate the financial hardship I was going through. The credit card company never saved the copy of the letter. Fast forward one year and I am able to submit the letter to their company through a reply from a credit bureau complaint I made regarding late payments during the period I am describing above. However, they say they will not investigate it further despite having enough evidence to prove they were wrong about the payment options. This company has made it incredibly hard to report hardship, to negotiate terms and even to increase credit limits.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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:
In XX/XX/year> I ended up XXXX XXXX XXXX XXXX XXXX and was XXXX for at least 6 months. Attempts to contact XXXX XXXX at this time always ended with phone calls directing me to email their customer support team documentation such as my doctor 's letter to validate the financial hardship I was going through. The credit card company never saved the copy of the letter. Fast forward one year and I am able to submit the letter to their company through a reply from a credit bureau complaint I made regarding late payments during the period I am describing above. However, they say they will not investigate it further despite having enough evidence to prove they were wrong about the payment options. This company has made it incredibly hard to report hardship, to negotiate terms and even to increase credit limits.

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 2024-09-03 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-03 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: U.S. BANCORP
State: FL

Complaint narrative:
Re Application # XXXX for Loan from XXXX XXXX XXXX Once again on XX/XX/year> XXXX XXXX XXXX Has apply for a loan from US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX This has created another Credit Check. 

Please inform XXXX XXXX XXXX to stop using my name to apply for loans Please inform US Bank XXXX OH that I am not applying for a loan Please thank XXXX - XXXX XXXX XXXX XXXX PA XXXX XXXX for being vigilant on my credit report 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I pulled my credit report and noticed these 2 accounts are being furnished by the wrong creditor. please remove these accounts, these 2 accounts were Sold. 


FURNISHER : XXXX XXXX Account number starting with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : This account is being furnished by the wrong creditor REQUESTED ACTION : please remove from my credit report. 


FURNISHER : XXXX  Account number starting with : XXXX DISPUTE ITEM : The whole entire account DISPUTE REASON : This account is being furnished by the wrong creditor REQUESTED ACTION : please remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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