vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/24 - open homedepot card, purchased {$310.00} with the new account. Card supposed to send to my home XXXX business days. I have not received after XXXX weeks, than got text message that it used to purchase, I called Citi banks to cancel the card and account. They did but they resent me a replacement, which I didnt also recieved. 
XX/XX/24 - fraud purchase {$100.00} XX/XX/24 - fraud purchase {$1400.00} XX/XX/24 - fraud purchase {$55.00} XX/XX/24 - fraud purchase {$1100.00} XX/XX/24 - fraud purchase {$500.00} XX/XX/24 - fraud purchase {$810.00} XX/XX/24 - fraud purchase {$360.00} I called Citi bank and reported these fraud purchases many times and told them that I did not even got those cards. On top of that I was requested to cancel the account and card already, but the citi bank still sent card out. It got stolen and made fraud charges as listed above. 
XX/XX/24 - called citi bank dispute charge. They said they will investigate take XXXX weeks. 
XX/XX/24 - received statement that charges refund and clear. 
XX/XX/24 - paid {$310.00}, my purchase, by phone to citi bank customer service person. Citi bank told me my account is clear and close. 
XX/XX/24- received another statement with all above charges is on bill. I called citi bank right away, and they said those valid charges, that why it still remains on the bill. Again I never got those cards, and didnt make any charges, the only thing I did many times were calling citi bank notify them about fraud charge and the refuse to help and put those responsibilities on my account. 
Please help to dispute these charges because those were made the frauds. 
Please contact me at XXXX if you have any question. 
Thank you.

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 2024-05-15 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.

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 XXXX 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 2024-05-15 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.

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-05-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-15 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:
I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened my account on XX/XX/2024 with promo code, TRUISTXXXX. The terms of the offer was make a direct deposit over {$500.00} and make 15 qualifying debit card transactions within 90 days of account opening and receive {$400.00} within 4 weeks. I received my first direct deposit of {$500.00} on XX/XX/2024 and made XXXX debit card transactions by XX/XX/2024. The 4 weeks elapsed on XX/XX/2024 and I had not received any bonuses. I called Truists banking line ( ( XXXX ) XXXX ) and was not given any clear information about when Id get my bonus. I asked to escalate to a supervisor who saw I had met all of the activities however did not take any action or suggest anything that would allow me to get my bonus.

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 2024-05-15 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 

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 2024-05-15 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: MD

Complaint narrative:
I am writing to delete the following information form my file. The Items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this 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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
There was an application for a credit card from First Tech Federal Credit Union. I spoke with a man named XXXX who said the womans name but no address or anything else. It was a California branch.

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 2024-05-15 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: TX

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 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 2024-05-15 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-05-15 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: FL

Complaint narrative:
I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: MS

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
This is a matter concerning Santander Consumer USA Inc. XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I am now at serious risk of losing my home because of Santander consumer USA incorrect and inaccurate reporting to report to credit agencies. I feel this is a gross abuse of the credit laws and gross negligence on the part of Santander consumer USA. I am turning to the Consumer Financial Protection Bureau to report this abuse. I pray that CFPB will be able to assist in this matter and do whatever can be done to prevent future consumers from suffering the same abuse as I have. It should be noted that in good faith I have worked long and hard with Santander consumer USA to resolve this and feel I have been treated rudely and they have taken no accountability. I was told that Santander consumer USA would escalate this matter, this is negligence and abuse. Thank you for your help and consideration. Desired Outcome/Settlement Desired Settlement : Correction to a credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: FL

Complaint narrative:
Kindly remove these inquiries. I have no knowledge about them, and the company acted without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: NC

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 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 2024-05-15 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: MS

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MD

Complaint narrative:
I am writing to delete the following information form my file. The Items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this 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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Marcus is not allowing us to access our life savings, preventing us from transferring our money out of their institution to another account that we own, and has offered no concrete resolution in sight. Throughout the process that has been going on for over two weeks, Marcus has not given us any reason for blocking our transactions. They had deemed that our phone numbers and social security numbers were no longer sufficient to prove our identity ( which is such an irony as they never said a thing when we deposited our money into the account and our phone numbers have always been our sole numbers and have been on file for eternity, and these phone numbers were used to log into the Marcus account for XXXX authentification every single time! ) but did not say what more is needed to prove who we are. As a result, our life savings have been frozen with no access and no resolution. 

XX/XX/XXXX : A transaction was received by Marcus to transfer funds to another account owned by myself and my husband who is a joint owner. 

XX/XX/XXXX : The transaction was reversed by Marcus with no notice or reason. We contacted Marcus by phone and the representative said that there were no holds on our account preventing the transaction from going through and asked for us to try again. 

XX/XX/XXXX : We attempted again to transfer money from our Marcus account to the same joint account. 

XX/XX/XXXX : Marcus rejected the transaction request again with no reason. We contacted Marcus by phone and find out a restriction is placed on our account. We tried to resolve it over the phone and Marcus said that someone will reach out on XX/XX/XXXX to resolve the case. 

XX/XX/XXXX : No one from Marcus has called us by XXXX XXXX Pacific time so we reach back out again. The customer service representatives were unable to resolve the issue and the call got escalated to a manager. The manager was only able to disclose that the case has been under review and someone will reach out in XXXX business days. We requested information on the case and the manager stated that no information can be given and there is nothing that they can do to resolve the issue.

Company response to consumer: Closed with explanation