vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: MA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-03-13 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-13 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-03-13 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number: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 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson first reached out to me in XXXX about this debt. I let them know that this debt does not belong to me. While I did work at XXXX in XXXX, I have always had XXXX as a provider. My mother also has the same name as me. I also reached out to them in XXXX when it popped up on my credit again. We are now 7 years later and they continue to report a debt that I let them know I am not responsible for. They have ignored my requests for any documentation and they lie to transunion about this being a new debt every few years. Their processes are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Credit Card : Banana Republic Rewards XXXX Issuer : Barclays XXXX I openened the card in XXXX of XXXX at a Banana Rebublic store after seeing that there was an ongoing promotional offer of XXXX Banana Republic rewards points for all NON-BRAND credit card spend, anywhere XXXX is accepted, through the XX/XX/XXXX. 

In XX/XX/XXXX, I purchased {$1100.00} of goods that count towards that non-brand spend. They were for goods and NOT cash equivalents. Per the terms and conditions, I should have received XXXX points ( XXXX ) within XXXX billing cycles but have not. Additionally, on XX/XX/XXXX, I made another NON-brand spend of {$7200.00} ( also of goods ) of which I am expecting XXXX points as well. 

To date, I have not received the XXXX credit card bonuses that I should have received. 

In order to rectify and investigate this, I reached out to both Banana Republic and Barclays XXXX customer service on XX/XX/XXXX and was given the case number from Barclays of XXXX. 

I reached back out to Barclays on XX/XX/XXXX for an update and was told that upon reviewing my account they could not find any such XXXX non-brand spend reward points bonus for my account and that I would need to send proof. I have received multiple emails with the offer up to this point ( which I will attach ) and so at their direction I PRINTED out the email and mailed it to their po box XXXX in XXXX DE on XX/XX/XXXX and confirmed with XXXX tracking that it arrived XX/XX/XXXX. 

Today as of XX/XX/XXXX, I have had no updates from Barclays and do not see any of the points yet that I should have received. I am hoping that reaching out through a complaint here with the CFPB will net me a positive result, that I won't have been gypped out of hundreds of dollars worth of points.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX - XX/XX/2022 ; The alleged account is showing OPEN and having a PAST due balance which is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 

XXXX XXXX XXXX XXXX They are reporting this alleged account on my credit, yet the company is permanently closed- therefore the debt can not be verified. The account is also showing OPEN and having a PAST due balance which is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-13 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've consistently maintained on-time payments for this account, ensuring they never fall overdue. I'm uncertain about the reasons for the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-13 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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Ive been paying my rent through an app called XXXX since XXXX using my chime card so they can see several transactions to XXXX from my account on XX/XX/XXXX. XXXX had a nationwide glitch and they double charged. Everybody so then returned the second charge so they put the deposit back into my account And chime is saying its suspicious activity. You can clearly see on my statements that Ive been dealing with ZRent several times so Im not understanding what the issue is they wont give me my money back they wont help me. I have sent proof who I am I have sent proof showing them that you had a glitch. I have sent text messages between me and my landlord that verified that there was an issue. They double charged him too. I dont understand how and why they can get away with this, its outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-13 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that possible if still on the creditor XXXX XXXX XXXX, partial ( account number XXXX ) is still reporting inaccurate Date of last activity is being reported on XXXX as XX/XX/XXXX, at the same time they are reporting on Experian a date of last activity as XX/XX/XXXX, and they are inaccuratly reporting on XXXX Date of Reported as XX/XX/XXXX, while on Experian they are inaccurately reporting Date Reported as XX/XX/XXXX, also they are inaccurately reporting on XXXX Date Opened as XX/XX/XXXX, at the same time inaccurately reporting on Experian Date Opened as XX/XX/XXXX, also on XXXX they are inaccurately reporting account Status as Open, at the same time inaccurately reporting on Experian Account Status as Closed, they also inaccurately reporting on XXXX Creditor Type as Auto Finance, while inaccurately reporting on Experian Creditor Type as Personal Loan Company. The Credit Bureaus took more than 30 days to complete my investigation. As how can payments be marked as late, when the account is in collections. XXXX have a history of inaccurately reporting information to the credit bureaus, and I am a victim of thier inaccurate reporting. Attached is a form showing inaccuracies, and also a document showing a previous settlement with the CFPB and XXXX XXXX XXXX regarding this same issue. Delete this account asap 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-13 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: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XX/XX/2023 XXXX XXXX || XX/XX/2023 XXXX || XX/XX/2023. XXXX XXXX || XX/XX/2023

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Dispute Regarding Inaccurate Information on My Credit Report! 

I am writing to dispute an error on my credit report. The issue pertains to not able to get a credit card because of it I kindly request that you investigate this matter and correct the information on my credit report. The accurate details should reflect Thank you for your prompt attention, if you need further information Please contact me thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
During COVID loan forbearance we made a large payment that we later found wasnt required. Since XX/XX/year> we have been requesting a refund on this payment as outlined under the XXXX XXXX. We call back consistently, wait for hours on hold, months for it to process, and we still have not received this refund : This is far and above unacceptable practice for anyone, but especially for a federal student loan services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In late XX/XX/2024 I opened an account with Citibank and deposited in person two cashier 's checks from XXXX XXXX to seed the money with funds in the low 5 figures USD. 
On XX/XX/2024 I transferred XXXX USD from a checking account at another domestic bank to Citibank so that I could use the Citibank account to pay bills. 
On XX/XX/2024 I attempted to access my Citibank account online and received a notice that my account was on hold. Upon calling Citibank customer service, I was given a number within their fraud department. Upon calling their fraud department, I was told that my account was being closed, that no credits or debits could be made to or from this account, and that my funds would be returned to me in 30-60 days. The fraud department stonewalled any attempts to gain more information regarding the reasons for their actions or obtaining access to my funds. 

My complaints are : Citibank froze access to my funds and closed my account without notifying me. I learned of this information only through my own actions. 
Citibank is withholding my funds from me and depriving me of the time-value of my money. 
Citibank has performed these actions while withholding all reason or rationale for their actions.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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