vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: 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 XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I had a loan at Citibank, which I paid off They keep taking money out of my account that they cant provide that there is even a loan still existent even though I paid the loan off, it was an {$8200.00} loan that was paid off in XXXX but they are still taking money out saying that I have an outstanding balance, but I dont have a loan out with them anymore cause I paid it off, but they cant provide me any other info and I have contacted different people and they keep giving me the runaround and not letting me talk to the loan department

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 2024-04-29 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: TX

Complaint narrative:
Good Morning, I purchased a Vanilla Visa Gift Card on XXXX XXXX, 2024 in the amount of {$250.00} for a Valentines Gift for my wife. I purchased it at the Dollar Tree at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Store # XXXX ). I gifted my wife with this gift card that evening. The following day she attempted to purchase some charms for her bracelet from XXXX XXXX. After several unsuccessful attempts of purchasing it with the card and speaking to a XXXX representative, she called Vanilla Visa. They informed her that fraudulent activity had occurred on the card and as a result all {$250.00} funds were depleted. Thus, Vanilla Visa informed her that they would replace the card with the value of {$250.00} by sending in mail. Stated it would be XXXX business days. After XXXX weeks of the card not being delivered, I called and spoke to XXXX. He assured me it was on the way. After XXXX more weeks I called and spoke to XXXX. He verified names and our address and assured me again it was on the way. After over a month of not receiving card, I called and spoke to XXXX who stated the same thing. I asked for mailing tracking information, but they would not provide. Therefore, I am soliciting your help being that it has been over XXXX months. Thanks in advance for your help! By the way, I did also go to the XXXX XXXX and speak to them he XXXX who said I would have to call XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's XXXXl to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I contacted the customer service number and was transferred to a phone representative named XXXX at XXXX a.m. on XX/XX/year>. XXXX appeared less than helpful when I inquired about the several attempts I made to transfer my money from XXXX into my financial institution. 

XXXX asked what kind of bank it was, and I asked her how can I determine what type of bank I had. She acted irritated with my question and responded with vague and rude answers. When I questioned XXXX about how I could obtain that information to determine if the transfer could be made, she responded with an attitude again. I provided the name of my bank, and she continued to react with an attitude. She told me, I dont know what that is. She went on to say that she needed the name of my bank because there is a list of banks they can not transfer money into. Yet XXXX asked what the name of my bank was, and I told her it was XXXX XXXX XXXXXXXX XXXX, and she acted like I abandoned her in the dark and communicated in a different language. 


When I perceived the verbal exchange with her was escalating into a dispute, I requested to speak to a supervisor, and she told me to hold. When I was placed on a brief hold, she told me there was a high call volume and that I would be on hold for a while. I was on hold for over an hour with no update or alternative resolution.

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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Leaving my apartment complex, the leasing company returns our original security deposit in the form of check issued to whoever was listed on the lease. The {$1200.00} check was issued to my fiance and I and deposited in my CITI bank account. Within 4 days they restricted access to my account and dont allow me to access ANY money in this account, aside from the check. When i called to resolve they said they needed to confirm with the issuer of the check so they did, it was approved and verified by the issuing company and now they still wont give me access to my account. I have spoken to multiple customer service representatives and spoken to the fraud department multiple times, they have not given me any reasoning as to why this account has been restricted since XX/XX/XXXX. I have also asked to speak with a representative and been told i will receive a call back, which i have not received.

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 2024-04-29 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-04-29 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: HI

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-29 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: HI

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

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 2024-04-29 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: HI

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am opening up another complaint to further my previous complaint that was closed - I opened a complaint how I asked for options repaying my account in 2020 and was provided no options other than repay account or go into default if missed. I wrote my entire complaint out under XXXX and Navient responded saying that they made a mark on my credit report that I denied not paying in 2020 for 3 months. The actual complaint I have that seems to be missed here is that I called Navient at the height of the panademic in 2020 because I had to find new employment and I was told to either pay or go into default from not paying loans. Those were the XXXX options I was given. The issue wasn't that I am saying I didn't not pay - the issue is that I HAD to fall behind and was offered no options from Navient. I would assume if you run into financial hardship a company financing loans would have options to offer but they did not and that is what my initial complaint and this complaint are about- the fact that I had no choice because of having no employment that I called Navient to see what options could be offered and I was literally told there were no options for my student loans. This is almost $ XXXX payment and they were able to offer XXXX options for repayment during pandemic/finanicial hardship due to pandemic. It seems highly unfair that there were XXXX options offered and now as a result- I am trying to consolidate loans to actually be able to pay off these loans that are almost at a 20 % interest rate and I can not consolidate due to negative remarks from missing those handful of payments in 2020. That is what my complaint is about.. not saying I paid those months I missed. It's also highly unfair that I now have some remark on my account that I refuted saying I missed payments. I understand it's my job to reach out to the company - and I did and was offered XXXX options. Now as a result I am unable to consolidate these loans and get out of predatory lending practices to actually be able to pay off these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I called Wells Fargo to dispute a charge and when I told XXXX I was also recording the call, he said he had to switch me to a supervisor. I was connected to XXXX who told me she couldn't talk to me since I was recording the call and hung up.

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 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
As the designated Power of Attorney and the Pay on Death beneficiary while my partner was ill and had been declared mentally incompetent to handle his affairs I moved those funds to the business account to protect them because his driver 's license, debit card with the PIN had been stolen while he was in the hospital. A few days later the bank placed a hold on the business account. Several more weeks passed and the money was removed with no indication as to where it had been deposited. Later, he passed away and the attorney for the adult children upon instructions from the bank refused to honor the POD and told their attorney that I still had the {$60000.00} at which time I was hassled over and over again for it. Over and over I tried to explain that the bank had removed the money from the business account and that it was not in my possession. To this day I do not know where the money went because it became evident that the children did not have it and neither did I. Over and over the bank has refused to answer the whereabouts of the money and insist that their Customer Deposit Agreement preempts all. And, that deposit agreement was used to quash a subpoena issued for production of those bank records at which time the bank 's attorney opened an arbitration case in which their attorney stated the statue of limitation had expired and the case was closed. I am asking this agency to review their deposit agreement as I believe it is an unconscionable contract and has severely harmed both me and the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-04-29 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. XXXX and remove them.

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 2024-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 2024-04-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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