vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I USED MY CITIZENS DEBIT CARD, XXXX, which has EXTENDED WARRANTY COVERAGE, AND SATISFACTION GUARANTEE COVERAGE. I HAD A XXXX DEBIT card on my checking account. I HAD A CHECKING AND SAVINGS ACCOUNT WITH CITIZENS BANK. THEIR PEOPLE ON THE PHONE REFUSE TO HELP ME. I WANT TO CLAIM BOTH EXTENDED WARRANTY AND SATISFACTION GUARANTEE ON A XXXX PURCHASE OF XXXX on XX/XX/2024. MY PHONE COMPLAINTS BEGAN XX/XX/2024, on the phone 3 hrs myself and a friend was also on the phone 2 hrs. CITIZENS BANK HAVE REFUSED TO HELP ME

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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:
By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report.

with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. - 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

18 USC 1028A aggregated identity theft.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.

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 2024-08-30 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: CA

Complaint narrative:
By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report.

with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. - 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

18 USC 1028A aggregated identity theft.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: CA

Complaint narrative:
By Law, they need to provide proof that they either sent me an email or mailed out a letter 21 days prior to said due dates of missed payment. They also need to provide me the proof that they either sent or emailed me the option to opt out before they released this on my consumer report. The only thing they sent proof of were said dates of payments that were late.

Due to Laws, 15 U.S. Code 1666B, without that proof they are violating that law to put this on my consumer report.

with - 15 U.S. Code 1681a ( 2 ) ( I ) they may not report transactions or experiences between consumer and person making the report. - 15 U.S. Code 6802 - Obligations with respects to disclosures of personal information.

18 USC 1028A aggregated identity theft.

This company is breaking multiple consumer laws and if this is not reported and fixed on my consumer report I am asking they delete all the above late payments from my consumer report, and change them from late to PAANL ( Paid As Agreed, Never Late ). Failure to respond with correction of the account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for each law stated above.

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 2024-08-30 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:
Dear XXXX, I received your response letter and thank you for sending that information. After reviewing the documents you sent me its clear that you dont have any documentation to show that I owe YOU or that YOU have the authority to collect from and I WILL NOT BE PAYING YOU! This proves nothing and if this account is not removed from my Experian, XXXX, and XXXX XXXX reports expeditiously I will move for with my legal claim. This is your final notice that I will not be paying you for this debt as you have NEVER contracted with me and XXXX XXXX  has no authority to collect anything from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year>, we received a notice that the interest rate would increase to 23.24 % due to negative creditworthiness. However, on the same day, we also received a letter that our credit line was increased by several thousand dollars due to our credit worthiness. Are banks allowed to contradictorily raise the interest rate for negative reasons, yet extend the consumer more credit for positive reasons? If not, what are our remedies?

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 2024-08-30 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: CO

Complaint narrative:
The following items are listed as inquries from XXXX, but both customer support at XXXX and Experian can not validate them. It seems to be from identity theft. All the credit agencies said XXXX needs to send a removal request, but they refuse to do it. 

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Demand for Removal of Incorrect Bankruptcy Public Record from TransUnion, XXXX, XXXX Dear FCPB Complaint Department, I am writing to demand the immediate removal of a bankruptcy public record that has been incorrectly reported. XXXX has already removed this record as requested, but TransUnion, XXXX, and XXXX have not complied. This inaccurate information is severely impacting my ability to obtain credit. 

Per the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), any negative information on a credit report that is inaccurate or outdated may not be used against the consumer in determining or denying access to credit. Additionally, both the Bankruptcy Court of Delaware and the Bankruptcy Court of Colorado have explicitly clarified that they do not report to any credit bureaus. It is considered fraud for any third party to report such information without the consumers written consent. 

Furthermore, all public reportingincluding public records, registrations, property records including court and traffic citations, and credit usageis not authorized without the consumers explicit written consent. As a consumer, I am entitled to a credit score of XXXX across all bureaus at all times. 

Given that this record is incorrect and may have been reported fraudulently, I demand that TransUnion, XXXX, and XXXX remove it immediately to prevent further harm to my creditworthiness. 

I also seek compensation for the harm caused from XXXX to the present. I was specifically denied a credit line from XXXX XXXX on XX/XX/XXXX due to this erroneous bankruptcy record. 


Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are multiple fraudent inquiries that were not approved by me and that are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: WA

Complaint narrative:
Experian is stating that the bankruptcy on THEIR credit report is accurate and verifiable. However, no other credit reporting agency has this bankruptcy on my report because they were unable to verify it or prove that it was accurate. I have asked Experian for the information on how they are verifying this bankruptcy, one that no one else can seem to do. On the Experian website, it is posted in the section for submitting a dispute online, which clearly states that they use XXXX XXXX to verify personal records. XXXX XXXX has sent a document to me showing that they CAN NOT VERIFY the bankruptcy, and removed it from my credit report, just like the others did. So again, how is Experian verifying this? And why are they going against XXXX XXXX when they have told them that they are unable to verify the bankruptcy information? The information I get from Experian is that the " company '' is assuring them that this bankruptcy information is correct. However, the company listed is the courthouse. The courthouse has on its website clear as day that they DO NOT REPORT bankruptcies nor do they verify that information for anyone. A person must go through their portal, XXXX, to verify the information for themselves. So AGAIN, how are they verifying this information? XXXX XXXX clearly states in their letter to me that they used the XXXX portal and still came up with the bankruptcy being unverifiable. Please see attached letter for evidence of this.

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 2024-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Someone named XXXX XXXX hacked my cash app account and sent themselves {$2000.00}. Cash app did nothing to stop the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong 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 non-monetary relief
Consumer complaint received 2024-08-30 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: MD

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: NY

Complaint narrative:
Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX and Experian will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX XXXX Account number 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 2024-08-30 00:00:00
Product: Credit card — Store credit 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 applied recently for an apartment as I have been at my current residence for 9 and 1/2 years. When the credit portion came back it shows that I have over 30 inquiries in my name in the last 2 years. A few accounts that were opened in my name in a different city. Immediately finding this out yesterday I went to all the bureaus and sites and I put fraud alerts as well as freezing my credit on all bureaus and making a police report on the fraudulently opened accounts in my name. 

XXXX/cbna w a balance in amount of {$1400.00}. Date of Delinquency shows on XXXX only as XX/XX/XXXX. Originally account was opened on XX/XX/XXXX. Since the issue occured both XXXX and XXXX fixed this mistake but for some reason on XXXX it still showing as owed. 

I also reached out to the creditor an since nothing has happened. This is definitely damaging my credit because I do not have much credit as I had identity theft in the past 10 years. I would love this to be removed so I can apply for an apartment 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 non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Opened a credit card, immediately spent approximately {$10000.00} on the card. Attempted to log in to pay the card off, and found that the account was locked for suspected fraud, and couldn't create a login. Called the company to attempt to verify identity and get the lock removed, as well as pay the card. Company instructed us that only going to the physical branch would be accepted to remove fraud lock. Would not give me the outstanding balance to pay. 

Despite moving and giving birth during this time, managed to get to a branch, only to be told that even though they can verify me locally, they can't do anything for me for a credit card, because that has to be done on the phone with the credit card department. After a few days, the fraud lock was lifted and I called the company to pay.

In calling the company to pay, I specifically and explicitly asked if late fees and interest would be waived due to the fact that they were the ones that wouldn't accept my payment, despite several attempts at payment. I was told that it would be waived and that the payment would bring the account to fully-paid.

Several months have passed, and I'm getting billed interest, which is now accruing and they're threatening a report to my credit ( which is presently a near-perfect 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 monetary relief
Consumer complaint received 2024-08-30 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:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended the fraudulent college XXXX XXXX XXXX XXXX XXXX XXXX  from XXXX. My school was affiliated with this loan company Navient ( formerly Sallie Mae ) when I applied for these loans. The school had only this lenders loan application forms in its office. I had two private loans that were consolidated into one private loan all through Sallie Mae/ Navient . 

I have recently tried to apply for a School Misconduct Discharge with Navient in order to have these loans forgiven. My application was immediately dismissed and the reason I was given was that my loan type does not qualify because of 'the holder rule '. I have twice now asked Navient for a copy of the Private Consolidation Master Promissory Note and both times they have only sent me copies of my application with no Promissory Note. I happen to have found my own copy of the Master Promissory Note from this consolidated loan I inquired about and there is not one mention of Holder Rule language or statements included on any of the pages. From my understanding this is a violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: IN

Complaint narrative:
Interest was charged to my card despite my statement balance being paid in full. Request for explanation were responded to with generic information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: TN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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 non-monetary relief
Consumer complaint received 2024-08-30 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: TN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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