vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: TN

Complaint narrative:
Under the FCRA Law 15 USC 1681G ( a ) Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( XXXX ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. I personally submitted a dispute to Experian XX/XX/2024 to physically verify signed original contracts with my signature from all of the accounts that were being reported on my credit due to my information being impacted by the XXXX data breach. They sent me a stall letter stating they would not be adding my correct address due to to an address listed on my credit report that they did not have on file when I in fact included a copy of my drivers license, social security card, and a copy of my insurance policy with the same address that is on my drivers license in my dispute letter.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX I was informed of credit applications made in several stores online and in person. I contacted banks and issuers and informed them of breach. All said it would be handled. A fraud alert was put with the credit bureaus. On XX/XX/XXXX XXXX received a credit card from Home Depot and when I inquired I was told that a person applied for credit in store was approved and was able to charge over XXXX on card. As of now only Home Depot has issued a card that I know of, the other was XXXX and supposedly the application was held

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 2024-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: MO

Complaint narrative:
I work XXXX jobs, so making it to the bank during banking hours is almost impossibleXXXX XXXX night, I went to deposit my cash into the ATM in the front of US Bank in XXXX. Instead of my funds being available, I received a receipt saying there was a machine error and to contact my bank. Since they were closed, I called customer service and they transferred me to their dispute department. After going through the process, and because of not knowing the exact denominations of the cash ( the receipt I received showed the amount of cash I had put into the ATM ) I was told I could not file a dispute and they transferred me to back office. After telling the rep for back office the situation, she told me she could not help me and transferred me back to customer service who then told me after telling the situation a fourth time, that I just had to go into my branch. I had to leave work early, unpaid, to try to resolve the issue so I could pay my bills that were due the prior day. I deposited cash so my funds were available immediately and I could make sure that my bills were already taken care of. The teller I spoke to was repetitive and all she could say is I understand how this is inconvenient for you. She did make a copy of the receipt printed by the ATM and took down my information. Now, I have astronomical late fees that that I have to now work XXXX total days at XXXX jobs to make sure these late fees for my bills are paid. Not to mention, that money was also supposed to go towards my rent due on XXXX ( XX/XX/year> ).

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 2024-05-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/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 2024-05-11 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
Applied for a loan Im qualified for and they denied it saying I was asking for more then XXXX I only asked for {$3000.00} Then they emailed me 19 decline emails. Im pretty sure thats not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: CITIBANK, N.A.
State: CO

Complaint narrative:
CITIBANK is Not showing up in my XXXX and XXXX and XXXX Aren't showing my Citibank card failing to disclose the revolving credit, Failing to provide Length of credit history and perfect payment history, XXXX and XXXX Keep claiming its citibanks fault for not reporting and when I call citibank they Claim that they Are reporting my citicard and that is not true as my credit report reflects missing my citicard in XXXX and XXXX. When I called citibank they told me that I requested my citicard be removed and that is just not true why on earth would I want my oldest CreditCard Citibank to be taken off my credit history!? CITIBANK claimed they don't report to XXXX qhich is also a Lie and this has caused my scores to be significantly Manipulated down from perfect XXXX to XXXX at one point and there is ABSOLUTELY NO REASO. for this chaos in my reports ad I have PERFECT PAYMENT HISTORY WILL ALL XXXX OF MY CREDIT CARDS. I keep all my usages below 10 % and pay my cc off to XXXX  every months. still citibank is refusing to cooperate with me in regards to their lack of Reporting my PERFECT credit history to XXXX And XXXX is Refusing to disclose all XXXX of my creditcards and the revolving credit is only showing 1 credit card. I have been CONSTANTLY REQUESTING THIS GET RESOLVED and NOTHING IS BEING DONE AT THIS POINT.

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 2024-05-11 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: VA

Complaint narrative:
According to the XXXX XXXXn upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: VA

Complaint narrative:
According to the IRS an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: DE

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
XXXX XXXX XXXX is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section XXXX XXXX XXXX specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. 
Under XXXX XXXX XXXX, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA

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 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did a wire transfer on XXXX and XXXX from chase bank and XXXX  XXXX XXXX to a receipent bank called XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. and they transfer the Funds to a scam crypto platform called XXXX. Amount scammed total almost XXXX dollars. But the banks are not cooperating to recover my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I stopped using my Capital One card some time ago. Capital One assessed and annual fee and at some point had disabled my text alerts. I did not get any payment notification or alert of an issue. Then they assessed fees and report me to credit bureaus for an annual fee which is NOT legal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-11 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: NH

Complaint narrative:
On XX/XX/XXXX, there were XXXX charges on my credit card that were processed in Florida. I contacted the bank Citibank, and told them they are not mine. At that time they took them off my charge card. 

On XX/XX/XXXX. I received a notice in the mail that one of the charges was a valid charge. Again I called and said it is not mine. On the paperwork they sent it shows a name and address of a person who found my information somewhere and made XXXX charges. They charged me back for XXXX. I want Citibank to remove this charge from my account. I have called so many times. And still they do nothing. I am XXXX and feel that I am being discriminated again. That I am an old and they can take advantage of. 

Please help me with this problem. 

This person charged a card that was closed. Citibank should have not lets those charges go thru. They should have stopped this person from using this card ending in XXXX. This card was closed.

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 2024-05-11 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: GA

Complaint narrative:
I am reaching out to emphasize the urgent need for the removal of certain unauthorized inquiries from my credit report. Upon thorough examination, I have discovered XXXX inquiries that were conducted without my authorization, and I have no recollection of engaging with the respective creditors. 
The unauthorized inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> I want to bring to your attention that XXXX, a prominent credit bureau, promptly deleted these hard inquiries from my credit report. You may verify this action by contacting XXXX directly. Failure to rectify this issue promptly may result in legal action being taken against your bureau. 

It is imperative to address these unauthorized inquiries swiftly to ensure the acuracy and integrity of my credit report. Failure to do so may necessitate legal action to uphold my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust in your understanding of the significance of this matter and urge your imediate action to rectify it. By removing these unauthorized inquiries, your bureau will not only fulfill its obligation under the FCRA but also demonstrate its commitment to providing accurate and reliable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorzed inquiries from my credit report. Your cooperation in resolving this issue expediently is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CO

Complaint narrative:
My loans are being double reported on my credit report. I have a consolidated loan of a total of {$56000.00} with XXXX XXXX. Included in the loan is {$22000.00} and {$33000.00}. On my credit report the {$56000.00} total is shown but also a separate loan for {$22000.00}. I have contacted both ED FINANCIAL and XXXX. The issue had been resoled but then weeks later it gets double reported again. I have disputed with XXXX multiple times, in which XXXX XXXX has sent my updated loan amount but every time my dispute is either denied, or the loan amount is corrected for a few weeks and then changed out. These are the dates of the XXXX, XX/XX/year>. My credit score keeps lowering because of their false and double reporting of my loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: GA

Complaint narrative:
improper use on your credit reporting

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 2024-05-11 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: CO

Complaint narrative:
My loans are being double reported on my credit report. I have a consolidated loan of a total of {$56000.00} with XXXX XXXX. Included in the loan is {$22000.00} and {$33000.00}. On my credit report the {$56000.00} total is shown but also a separate loan for {$22000.00}. I have contacted both XXXX XXXX  and Experian. The issue had been resoled but then weeks later it gets double reported again. I have disputed with Experian multiple times, in which XXXX XXXX has sent my updated loan amount but every time my dispute is either denied, or the loan amount is corrected for a few weeks and then changed out. These are the dates of the XXXX, XX/XX/year>. My XXXX XXXX keeps lowering because of their false and double reporting of my loan amount.

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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
Using SoFi I ACH transferred {$10000.00} to XXXX to invest in crypto after which I had a 54 day hold on my investment, my banking info was then removed from XXXX and unable to add it back, after this point XXXX asked me to upload my ID and after I did they placed me in an indefinite length restriction with no updates where I cant even close my account and get my money back. I reported this to SoFi as fraud and refundable under the XXXX 60 day rule. SoFi made a low effort attempt to contact XXXX and did not get me my money back. Additionally they have no customer service competent or willing to work on my behalf during this blatant fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 non-monetary relief