vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Propel, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my debit card was stolen and use in a unauthorized matter when I called the bank they said they were going to send me the disputes forms to fill out when I received them they sent me the complete wrong dispute it was someone else 's so they never gave me a chance and denied my claim in less then 24hours also they said they denied because I had deposited money in my account the day prior and that the perimeter which the transaction occured was close to my house i told them my phone which contains my debit password was also stolen so basicly i cant deposited money in mt account because its suspicious which is ridicolous i also have a police report along with the wrong dispute form the bank sent me and never fixed it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Invalid information that doesnt match all together on the 3 credit reporting agencies. XXXX, XXXX, Transunion : Date Opened Last Reported Date Last active Date of last payment All 3 is showing different payment history! INACCURATE & Not acceptable.

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 2024-06-08 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Invalid information that doesnt match all together on the 3 credit reporting agencies. Equifax, XXXX, XXXX : Date Opened Last Reported Date Last active Date of last payment All 3 is showing different payment history! INACCURATE & Not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: KS

Complaint narrative:
Invalid information that doesnt match all together on the 3 credit reporting agencies. XXXX, Experian, XXXX : Date Opened Last Reported Date Last active Date of last payment All 3 is showing different payment history! INACCURATE & Not acceptable.

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 2024-06-08 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: MO

Complaint narrative:
I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's 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 non-monetary relief
Consumer complaint received 2024-06-08 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: WI

Complaint narrative:
I feel that I have really done my part trying to remove all these things over the years and they haven't by law removed it so I feel that y'all should be able to look into this and remove these things immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: WI

Complaint narrative:
I feel that I have really done my part trying to remove all these things over the years and they haven't by law removed it so I feel that y'all should be able to look into this and remove these things immediately

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 2024-06-08 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 am writing to file a formal complaint against [ XXXX XXXX XXXX  ] for unfair and deceptive practices that have negatively impacted my financial situation. I believe these actions are in violation of the Consumer Financial Protection Act ( CFPA ) and request your intervention.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX Listed below are the Personal Information that are being challenged Incorrect DOB XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX XXXX below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NC XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Thank you for your attention to this matter. I trust that CFPB will thoroughly investigate my complaint and take appropriate action against TransUnion, XXXX, and XXXX. 

Please inform me of any further information/documentation required to support my complaint.

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 2024-06-08 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:
XXXX AND XXXX XXXX, XXXX ARE FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN AND XXXX CREDIT REPORTS, THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUD BEING REPORTED ALREADY.

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 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was fraudulently charged for a {$1.00} in XX/XX/XXXX. Citi Bank immediately notified me and closed my card. 10 days later, on XX/XX/XXXX, the same merchant charged my new card before I had even received it. I immediately contacted Citi the same day and reported this as fraud. They closed this new card and then ordered me a new card. This charge has since posted to my newest account with the same XX/XX/XXXX date and it is already XX/XX/XXXX and I have not had this dispute resolved nor have I receive a provisional credit by the 10th day.

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 2024-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LoanCare, LLC
State: FL

Complaint narrative:
On or around XX/XX/XXXX, XXXX XXXX XXXX LoanCare , LLC and XXXX XXXX XXXX XXXX XXXX XXXX collected {$60000.00} for alleged mortgage or loan and took monthly payments of {$4600.00} on an alleged mortgage debt that we do not owe, still until today. We require proof of claim for any debt we are liable for, evidenced by a sworn affidavit from a party from : XXXX XXXX XXXX and XXXX XXXX  ; hereafter Principal ( XXXX ) having direct first-hand-knowledge and chain of custody of any debt owed to said Principal ( s ) by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX.LoanCare LLC and XXXX XXXX XXXX XXXX XXXX XXXX with us triggered liability under Sections 15 U.S. Code 1692e - False and misleading representations.

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 2024-06-08 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-06-08 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: MO

Complaint narrative:
I am filing a report to dispute and investigate these wrongfully reported accounts on my credit file. According to the Fair Credit Report Act, I should receive {$1000.00} for each incorrect report. The FCRA 605B mandates reporting any inaccuracies on a consumer 's 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 2024-06-08 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: KS

Complaint narrative:
XXXX XXXX Experian are reporting inaccurate information onto my credit report. 

No of terms High credit Date last active is a year off INACCURATE Date of last payment is 3 years off 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 2024-06-08 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: MS

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 confidentially under 15 USC 1681. 

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 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 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 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 crime 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 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 2024-06-08 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: MS

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 confidentially under 15 USC 1681. 

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 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 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 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 crime 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 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 2024-06-08 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: FL

Complaint narrative:
XXXX AND XXXX XXXX, XXXX ARE FRAUDULENT ACCOUNTS REPORTING ON MY XXXX AND TRANSUNION CREDIT REPORTS, THE CREDIT BUREAUS WAS NOTIFIED OF THE FRAUD BEING REPORTED ALREADY.

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 2024-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a credit card account with Citibank on XX/XX/year> and saw that they had a savings account with good rates, so I signed up for the savings account as well. I created my account and a security word and received access to the credit card account. I then transferred {$5100.00} from XXXX XXXX XXXX XXXX account into the new Citibank savings account, which took place in a matter of minutes. The following day, I received notice that I needed to call Citibank because there was an issue with the card. 

When I called Citibank, I was asked multiple questions to verify my account. I didn't have an ATM card yet ( since I just opened the savings account ) so I couldn't provide the ATM PIN number they requested. They asked for my security word, which I gave, and they said it was incorrect. They asked to verify my account by using my phone number, which I gave, and they said that they could not verify that phone number, even though it's the one on the account. I was transferred a couple of times to a supervisor, who asked for another phone number or multiple credit cards to verify my account. They later said they could not verify it and to call back when I received the card. 

After this experience, I decided to close the savings account I opened with them because I did not like their customer service. I called back and went through the same hassle, was sent to a few different people who repeated the same instructions. I finally was transferred to a supervisor, who was able to verify my account by sending me a text to the same phone number I provided the day before, only to tell me that they couldn't close my account until the deposit cleared. They told me to call back. 

On XX/XX/year>, I saw that the deposit had cleared, so I tried to transfer my {$5100.00} back to my original credit union account, which was already linked to the Citibank account. I received an error message saying that my account was blocked and to call Citibank. When I called, I went through the same hassle, and asked for a supervisor who could send a text to my phone to verify my account. I was told that they could not do that. I informed them that I was able to do this the previous day, and they finally connected me to a supervisor, who told me that they could not verify my phone number and asked for a different phone number. I asked why my account was blocked and they told me that my account was flagged for fraud and they needed to send me a letter from the fraud department with a case file number. I was instructed to call back when I received the letter and they would be able to unlock my savings account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was Awarded XXXXXXXX XXXX XXXXXX/XX/year>. The funds were deposited into account number XXXX which isnt the correct number.The funds shouldve be deposited into account XXXX. The funds were deposited on XX/XX/XXXX {$13000.00} and XX/XX/XXXX {$2700.00}. I have been given a run around 6 times between Chase and Social Security regarding whos responsible for sending funds back vs recalling the funds. On Friday XX/XX/XXXX I hand delivered to the branch manager written documentation from Social Security indicating the error and a request for the funds to be returned to SSA so they can redeposit the funds into the correct account. This has been going on to long, I am heading toward financial ruin and now having XXXX XXXX. Can you please assist me with getting chase bank to send back the funds from account number XXXX to Social Security please? Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX Balance : {$690.00} I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with XXXX XXXX XXXX XXXX XXXX They did not provide me with the original statement or application when I asked. This was requested 30+ days ago. XXXX has tried to contact them MULTIPLE TIMES. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report. I contacted XXXX XXXX XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. Also, this investigation and non-responsiveness has been going on for 30+ days. Transunion continues to have this on my Credit Report which is ILLEGAL. This also manipulates the Statues of Limitations.

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 2024-06-08 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: FL

Complaint narrative:
I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.

Company response to consumer: Closed with non-monetary relief