vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-12-27 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Over the long term with citi bank ctedit card sevice i have only been late on my 2 acounts twice due impart to Hurrican Burl and Personal Health Issues for My Wife & myself howere this were back to back XXXXXXXX XXXX XXXXXXXX & as quikily as i new about the autopayment error and I immeditaly correct the situation XXXX much more the the miumum due plus they check one of the late fees along which ll seems fair except that my XXXX to XXXX took a hit down to XXXX which is a unfair amount considering i made thE correction ASAP ( XXXX ) In the amounts of XXXX where the mim payent due was XXXX STATEMENT Minimum payment due : {$190.00} New balance as of XX/XX/year> : {$7600.00} Payment due date : XX/XX/year> XXXX STATEMENT Minimum payment due : {$310.00} New balance as of XX/XX/year> : {$7600.00} Payment due date : XX/XX/year> and these 's are the only CITI CC Service ( ATT Card ending XXXX ) Plus ihave a ( XXXX XXXX ending in XXXX which has never been late ) yet where as maybe a small hit but not almost XXXX pionts a Citi Bank Credit Card Mgr say they will investigate but that s not good enough i would like to file you all to see what you can do to help remedy the situation Respectfully 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 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, my mother signed over a check of {$1200.00} for me to cash into my account. When I went to CitiBank to cash the check, they rejected it because I was told all parties needed to be present to do so. A few days later, all parties on the check came to the branch to verify like we were previously told to do. It was then after this, CitiBank proceeded to tell us that the check needed to be verified by its issuer. CitiBank called the issuer to confirm that this check came from their escrow company, and the issuer was able to confirm that it did. Once this was done, Citibank proceeded to tell me that they were going to send my check to me through XXXX ; this was in XXXX of 2024. It has been several months since and I still have not received my check or any information about when I would. Ive visited CitiBank numerous times after they informed me my check was going to be sent to me through XXXX, and I continue to receive the run around and them being unable to tell me where my money is. This is very frustrating to me because I did everything they had asked of me and the check was cleared, so its very confusing how I am unable to receive any information about where my money is or why it still has not been sent to me. I hope this issue can be resolved as soon as possible. 
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 explanation
Consumer complaint received 2024-12-27 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: CA

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 2024-12-27 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: FL

Complaint narrative:
Date : XX/XX/2024 XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX Addresses XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
Date : XX/XX/year> XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX with account number XXXX XXXX  XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX with account number XXXX Addresses XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
My Ex opened multiple credit cards without my knowledge 

XXXXCOMENITY/VICTORIA
Account number XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. 


Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Equifax I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed items to be blocked and deleted company information from XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$830.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting the immediate removal of incorrect information on my credit report, specifically, the inaccurate addresses 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my credit report to reflect only accurate and verified information. Once these credit report corrections are completed, I request written confirmation from TransUnion, along with an updated copy of my credit report. Also, the name variations XXXX, XXXX must be corrected to match the documents I have provided. Addressing these issues promptly is essential to ensuring the accuracy and integrity of my 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 2024-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I was gifted a {$25.00} American Express gift card. I activated the card online, and was given a message saying the card was ready to use. I tried to use the card at XXXXXXXX XXXX XXXX and it was declined. I checked the balance and still had {$25.00}. I then tried the card at a restaurant, XXXX, XXXX and XXXX, and none of those retailers will accept the transaction. I then tried checking my balance again, and my gift card has now been put " on hold '' and I received a message to call the Amex phone #. I tried to call American Express, and I am unable to get through the phone system and talk with a person to take the hold off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In the beginning of XXXX I received a phone call from Wells Fargo stating my account was in jeopardy and someone tried taking money out. I later found out it was a scam and the scammers took everything from my personal account as well as my business account. I filed a complaint with Wells Fargo and they were unable to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank has crushed my XXXX XXXX several. When my XXXX XXXX increase XXXX points, Synchrony Bank makes a move with XXXX of their credit card to decrease my XXXX XXXX XXXX or more points. And its not because XXXX not paying my bills. 

Most recent was on XXXX XXXX, XX/XX/year>, when I received notifications from the credit bureaus that my XXXX XXXX had been closed by credit grantor. It had a {$5000.00} credit limit, with {$0.00} balance. I used the card but pay off the balance. 

Previous to this occurrence, my XXXX  credit card limit was decreased to {$170.00}. 

Previous to this occurrence, my XXXX credit card credit limit was decreased to $ XXXX It is currently being serviced by another bank who automatically increased the credit limit to the original amount. 

Previous to this occurrence my XXXX XXXX credit card was closed. 

Previous to this occurrence, my XXXX credit limit was decrease from {$2500.00} to {$100.00}. 

To close an account XXXX morning and receive the news from the credit bureaus is cruel. Synchrony punish you and your XXXX XXXX for paying your bills in a timely manner.

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 2024-12-27 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir Madam XXXX Subject : Request for Account Details Account XXXX I am writing regarding the above-referenced account. Please note that I am not disputing the account. However, I kindly request that you provide the following information.

1.- The Date of First Delinquency for this account.

2.- The Date of Last Payment made on this account.

The Date of Charge-Off or UPDATE for this account.

I would appreciate it if you could provide this information in writing. If additional authorization is required to process my request, please let me know at your earliest convenience.

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: IL

Complaint narrative:
I need your assistance in addressing accounts where companies are inaccurately reporting late payments. After being laid off, I asked for payment forgiveness, and they agreed, but they continue to list them as late. Ive tried contacting them but have received no updates, so Im reaching out to you as a last resort.

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 2024-12-27 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FMA Alliance, Ltd.
State: FL

Complaint narrative:
I got alot of text messages from number XXXX : You'll receive account texts from XXXX XXXX XXXX XXXX in reference to XXXX XXXX XXXX XXXX XXXXXXXX This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I did call XXXX cause i dont think i owe them money and they said no they do not ask me to pay anything. 

I tried to call the debt collector but they never pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For several years, my homeowners insurance premiums have been paid by Wells Fargo directly through my mortgage account. I typically receive a statement from my insurance provider, XXXX XXXX XXXXXXXX, indicating that an invoice has been sent to the bank, followed by timely payment from the bank, which is then added to my mortgage balance. However, for the past XXXX years, there have been failures in this process that have led to serious consequences. 

Last year, I was able to intervene before the termination of my insurance coverage ; however, this year I received a notice of termination from XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- due to non-payment. As a result of this termination, I was forced to reapply for a new policy with a broker -- effective XX/XX/year> --, which has been an additional burden during an already stressful time. This lapse in coverage is concerning, and I feel compelled to take additional steps to prevent this from happening in the future. 

Despite my attempts to resolve this matter through customer service, I have not received a satisfactory response. Instead I've received an intimidating letter from Wells Fargo Bank, stating that a " ... significantly more expensive ... '' insurance policy may be purchased by the bank to for any period that there is a lapse in coverage. I would like to request an immediate investigation into this issue and a written confirmation that my homeowners insurance payments will continue to be made on time going forward. It is crucial for me to ensure that I am not held liable for any lapse in coverage that is a direct result of the bank 's failure to fulfill its obligations.

I appreciate your prompt attention to this matter and look forward to your swift response. Feel free to contact me at your earliest convenience to discuss how this issue can be resolved or should you need additional information.

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