vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back in late XXXX, I received email from Citibank that they need to verify my identity followed by a notice from mail. Next day I called their consumer business unit per the letter and they asked me to to provide forms of ID electronically. I responded I will go to a branch in person and bring in couple forms of ID including my original driver license and US passport. After I got to the branch for over an hour, the branch manager finally figured out they dont have my social security on file possibly due to system upgrades. The next day, on XX/XX/XXXX, I went in the second time with my original social security card and the branch manager made copies and forwarded the info to the related department.

Two weeks after, on XX/XX/XXXX, I got another email stating that if their consumer business unit doesnt receive the info as requested by XX/XX/XXXX, my accounts will be restricted. As a result, I emailed the branch manager, but no response was ever received. Next day I called the consumer business unit and verified that they had received the info and my case was under review. Nevertheless, last Friday XX/XX/XXXX, I went online and found both our savings and checking accounts are blocked. After a series of phone call to the branch and forwarded to other departments, i was told the unit which is responsible for the review hasnt got to my case. Although they are willing to expedite, it will take 24-48 hours to lift the block. 

As of today, XX/XX/XXXX, the accounts are still blocked. No transactions cane be done, that means my payments and checks will be returned and my husbands retirement monthly payout can not be deposited. This ruins my credibility and cash flow. Am I supposed to be penalized for my cooperation with the bank? My follow ups with the bank doesnt mean anything to their operation. Its Citibanks inefficiency in their operations that cause all these troubles, Though I was told my case is being expedited, the block issue is still unresolved as of today.

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 2023-09-20 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:
Under the Fair Credit Reporting Act, XXXX  Account XXXX for XXXX  XXXX has violated my rights. 

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 also states that a consumer reporting agency can only furnish an account with my written instructions. 

I have enclosed copies of the letters I sent to the credit agencies, the credit agencies ' responses, a full copy of my credit report, and the discrepancies that the different credit agencies show on the Account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.

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 2023-09-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: VT

Complaint narrative:
US Bank did not iniciate an Escrow Analysis since I requested several times to do so since XX/XX/XXXX. US Bank is unlawfully charging my escrow account for random charges including Appraisal when I'm not in forclosure or default and will not refund or cancel the appraisal, They have been charging unlawful charges to escrow in different amounts from what I can see on my account since XXXX, and will not let me see any bills from before XXXX to assess those. I have asked for a refund due to state law in vermont, : Only charges to escrow is insurance and taxes. US Bank has been charging excess fees, attorney fees, exterior inspections, dib fee?, and so on for the passed 2 years. They claim on such statement this is lawful and it is not.

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 2023-09-20 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: LA

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 explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention an error in the reporting of a joint loan account that is affecting my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to have accurate, complete, and up-to-date information on their credit reports ( 15 U.S.C. 1681 ). In light of this, I kindly request your assistance in rectifying this matter. 

I took out a loan jointly with XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX, but it has come to my notice that this loan is reported only under my name in the credit bureaus records. This is not in line with our agreement with the lender, which clearly stipulates that this is a joint account. 

I kindly request that the CFPB facilitate the correction of this error by ensuring that : 1. The account.XXXX XXXX account number : XXXX date opened XX/XX/XXXXXXXX  is accurately reported as a joint account in adherence to the FCRA 's provisions concerning accurate reporting. 
2. XXXX XXXX SSN : XXXX DOB : XX/XX/XXXXXXXX  is added as a joint account holder and this information is reported to all the major credit bureaus, honoring our initial agreement with the lender. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring the accurate representation of this account in line with the FCRA provisions.

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 2023-09-20 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-20 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I paid my debt ( vehicle tax trough credit but XXXX Garnished my pay check now company refused to return my money. They charge me double for money I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Pursuant to FCRA creditor SPS account # XXXX has violated FCRA 1681a ( 2 ) A ( i ) - reporting transactions ; 1681 - right to privacy ; 1681 ( 604 ) ( A ) ( 2 ) - consumer reporting agency furnished account without my written consent and instruction ; ( 1666 ( B ) - creditor may not treat payment under consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans. 

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.

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 2023-09-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans.

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Account : XXXX Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request. 

I, XXXX XXXX XXXX, previously tried to have one of your Sr. Representatives, XXXX look into my claims and was accused of requesting a goodwill request. 

The 90-day late payment being reported on my credit file is inaccurate. Your agency is reporting this late payment 12 times on all 3 credit report agencies as closed. Also, a new Loan for {$85000.00}. Which is showing as 13 student loans.

I requested a copy of my student loan statements. In the statements it is showing that I requested a forbearance ahead of time in XX/XX/2019 and the request was approved. 
I am fully aware that I owe student loan and signed a promissory note. My grievance is that you are reporting inaccurate information on my credit report. 

Attached is the loan statement history, how my credit file is being reported, and proof of my identity. 

I just want this error to be corrected. I am sending this request via the CFPB and the attorney general office. Because trying to contact customer service is not ideal, where you dont get any help.

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 2023-09-20 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: MoneyLion Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
Disclaimer : I am a real person not a credit repair agency. My previous dispute was not corrected and by FCRA Law you are required to address my concerns. This is " NOT '' a goodwill request.

I am not refusing to pay my student loans nor denying that I signed a promissory note. 

I have been sending in letters to the Georgia student finance company and sending dispute notices to all 3 credit bureaus.

when I dispute the information, your agency adds on more late payments and states it's been updated. 

Your agency is reporting that been XXXX. I was 60 to 180 days late. This is default status. I was not that many payments behind. I contacted your agency and someone dropped the ball by not updating my approved /forbearance..

If I was that behind. I am requesting all correspondence during this time period of statements and deferments/forbearance. 

There is no way I was 180 days past due and was not reported to the default company. 

Again, I am not denying that I signed a promissory note that I owe student loans. What I did not do is signed any documents that your agency report inaccurate information to my credit report. 

If you agency is going to report to our credit report, then you have to follow FCRA regulations. 

15 USC 1681s-2 - states that you have a duty as a furnisher to provide accurate information to the credit reporting agencies. Reporting inaccurate information with knowledge errors is illegal and must be modified or deleted. 

unfortunately, your agency has been notified my mail 2 times and I have previously submitted a CFPB complaint. The information was correct and updated recently adding on more late payments. 

These late payments is affecting my character and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: NC

Complaint narrative:
A fake charge from XXXX XXXX appeared on my credit report numerous times. The first time, I disputed online. It offers a section to upload documents but they're all either too big or the wrong format. Then it says the online dispute center is unavailable and you have to call. I had to call multiple times as each time I was on hold for way too long. The charge should be in dispute yet it came back. While Experian mailed me a copy of my credit report- which is about XXXX pages of perfect credit history, never carrying a balance, never late, all large loans paid early- they never provided any proof of an investigation whatsoever. My XXXX XXXX had THREE fake charges on it within the year. I paid the first two because I couldn't get a hold of their customer service but the third was a huge charge and enough is enough, this is criminal on their behalf. And neither XXXX nor Experian has provided me ANY evidence of an investigation or why they keep putting the charge back, when I have sent document after document showing that it's a scam company that charged me. I have not gotten a SINGLE piece of paper, document, explanation, nothing. So why is this charge there? Only thing I can think of is XXXX does this on purpose because since I always pay my account in full and never carry a balance they can't make money off me otherwise. I would like the credit bureaus to do a PROPER investigation into the fake charges, not just listening to whatever the criminals at XXXX say, and provide me of evidence of the actual investigation - because if anyone with half a brain investigated they'd see it's a scam company that made those charges. Please correct my credit report and stop allowing criminals like XXXX to invent charges and cause this much headache to hardworking people with nearly perfect credit scores.

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 2023-09-20 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: KY

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-20 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: CA

Complaint narrative:
I made a request for XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX, to correct my credit report, but they are still are reporting late payments that are older than XXXX XXXX XXXX. I know for a fact that I did make these payments, but I am not here for that. They are reporting to Experian and XXXX XXXX late payments from XX/XX/XXXX and XX/XX/XXXX. 

Attached is a document from XXXX and XXXX XXXX stating the dates. I do not have the letters mailed to 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 explanation