vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: DE

Complaint narrative:
I have Opt-Out from the financial institution XXXX XXXXXXXX XXXX to not share my non public personal information. See attached opt out letter dated XX/XX/year> along with previous CFPB complaint # XXXX against that institution.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was unaware of a debt protection fee ( a 3rd party company from the Best Buy card through Citi Bank ) or remember ever signing up for one. Apparently the company got back to me saying I've been enrolled ever since XXXX and any of the amounts I was charged is non-refundable. The amount charged varies because of the revolving balance I've had throughout the years I've had a Best Buy card. I only have statements from one year ago ( 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 explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
US Department of ED confirmed that my account went into Collections on XX/XX/year> which would seem to suggest that the first day of Delenquency had passed.

Us Department of ED Account numbers # XXXX & # XXXX is close to or past the time legally protected by the FCRA to be furnished.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  has reported on my credit that I am the authorized user of a card. The card belongs to my wife, and she has emphatically declared that she did not add me as an authorized user. I contacted XXXX to inquire about the card and explained that at no time did my wife request to add me as an authorized user. I requested the recording of her request and any digital copies of her request to which I was denied. I requested to be removed as I gave no authorization to be added to this card but was again denied. I was instructed to speak with my wife and have her request that I be removed. I spoke with her again in length, to which she again, strongly denied and has no explanation as to why I would have been added as an authorized user. Like me, she is perturbed by XXXX 's actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
XXXX has reported on my credit that I am the authorized user of a card. The card belongs to my wife, and she has emphatically declared that she did not add me as an authorized user. I contacted XXXX to inquire about the card and explained that at no time did my wife request to add me as an authorized user. I requested the recording of her request and any digital copies of her request to which I was denied. I requested to be removed as I gave no authorization to be added to this card but was again denied. I was instructed to speak with my wife and have her request that I be removed. I spoke with her again in length, to which she again, strongly denied and has no explanation as to why I would have been added as an authorized user. Like me, she is perturbed by XXXX 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian is reporting an account from XXXXXXXX XXXX that has been reporting for over seven years. It should be removed after seven years

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 2024-01-18 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: NY

Complaint narrative:
Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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:
There are 3 accounts on my credit report that are not mine, accounts from the year XXXX and XXXX and in those years I did not have social security nor did I open any account, they are mixing information from another person with mine, those accounts do not belong to me, they are not mine. social security are violating my rights

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting on my experience report this account is in regards to identity theft. I cant even get anyone on the phone to verify my identity I have sent in paperwork with no return of information. Please request them to validate 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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to complain about CITIBANK, NA, who violated my privacy by providing my private information to a third-party debt collection agency. I am a consumer who has a credit card account with CITIBANK, NA. I received letters from a third-party debt collection agency, XXXX XXXX XXXX XXXX attempting to collect on a debt. I was surprised. I wrote to the debt collector and asked them to prove I owe them. They sent me private information and they obtained this from CITIBANK, NA. 

I am very concerned that CITIBANK, NA provided my private information to a third party without my consent. This is a violation of my privacy rights and the Fair Credit Reporting Act ( FCRA ). The FCRA prohibits credit reporting agencies from sharing consumer reports with third parties without the consumer 's consent. 

In addition to violating the FCRA, XXXXXXXX XXXX XXXX may have also violated the Gramm-Leach-Bliley Act ( GLBA ). The GLBA requires financial institutions to protect the privacy of their customers ' financial information. XXXXXXXX XXXX XXXX XXXXs disclosure of my private information to a third party without my consent may be a violation of GLBA.

I am requesting that the CFPB investigate this matter and take appropriate action against CITIBANK NA. I am also requesting that the CFPB provide me with information about how to protect my privacy rights in the future. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX Laws that CITIBANK, NA violated : Fair Credit Reporting Act ( FCRA ) Gramm-Leach-Bliley Act ( GLBA )

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 2024-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have contacted Capital One on numerous accounts. I first called on XX/XX/2023 to see if I could find more information regarding a fraudulent credit inquiry.

Was repeatedly told there was nothing out of the ordinary with my accounts and that there was nothing suspicious noted. My account is actually fine. I explained that there was a hard credit pull initiated on XX/XX/2023 from a unknown phone number which appeared in my credit reports and that I would like to remove that from my credit history. 

I was told to contact the credit reporting bureaus ( which I did ) and discussed the matter with a representative from XXXX, XXXX, and XXXX. They explained the bank should resolve the matter but if not I needed a letter from Capital One authorizing the deletion of said credit inquiry. Capital has yet to comply and sent me a letter explaining how my current account is in good standing ( which isn't what I asked for ). The bureaus then explained that I need to send both a letter from Capital One and a separate authorization letter to remove the latest credit inquiry. Currently in the process of mailing letters of proof to get my initial letter to then pass on to the bureaus. A lot of he said, she said and sending the consumer ( me ) in roundabout circles when no one will provide action or support and just have me keep sending letters and letters of evidence when its clear on their end because if I can access this information, all parties are privy to it as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I woke up to a digital letter stating my account is restricted and may be closed and when I called they told me my account would be closed within 10 business days, leaving my {$370.00} stranded, with no time frame on when I will receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

Under 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.

Deviation from Metro 2 compliance standards, as outlined in the CRRG, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards.

Your actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.

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 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HF Holdings
State: AR

Complaint narrative:
I was contacted by the original owner of the debt in XXXX to collect payment. I sent an email detailing my intent to pay and set up a payment plan. I paid the balance down from {$260.00} to {$140.00} with the understanding that the rest would be automatically withdrawn. This never happened and XXXX the XXXX this year I received an invoice from the company for {$140.00} and just a few days later I began receiving communication from HF holdings regarding this account with a higher balance. I called today XX/XX/XXXX with the intent to straighten out the balance and pay it on full I was berated and belittled by XXXX due to my poor history of payment, when I was trying to explain and provide proof he refused to hear me and ultimately disconnected the call. I called back and spoke with someone else who claimed to be the supervisor to resolve this matter he asked me to send documents to the same gentleman as before stating since XXXX started the process I would have to deal with him still. He reprimanded as well for the prior call stating that my behavior was foul and that he didn't believe me either due to people constantly lying to them. After I provided the proof I was told the amount would be corrected and asked if I could pay it over the phone I declined due to body of proof and stated that I would pay it online so that I could receive a receipt. After hanging up I went to the website to resolve and they had not adjusted the amount I emailed XXXX yet again regarding the adjustment to which he responded with a very sarcastic and facetious manner I re-emailed regarding the adjustment specifically noting the need to change the amount. It is my belief that this company has no real intent in resolving the issue and my poor treatment and harassment has been proof as they have yet to correct the amount and make it incredibly hard to make this payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Told Portfolio Recovery to stop calling me and they keep calling me several times a month sometimes once a week I have told them time and time again to stop calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/Care Credit is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...

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 2024-01-18 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: FL

Complaint narrative:
XXXX XXXX  is reporting a late payment on XXXX ... this is a 30 days late payment that i dont recognize as mine, because i never been late on this account. If yes, you must to send me proof for this late payment...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX keeps stealing my assets. XXXX, XXXX, XXXX. Coinbase was taken over in 2021 and XXXX been complacent since. No home, money, phone. 
All I can do is pray I get some financial help do to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: CA

Complaint narrative:
I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

Under 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.

Deviation from Metro 2 compliance standards, as outlined in the CRRG, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights. 

It is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards. 

Your actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.

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 2024-01-18 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: FL

Complaint narrative:
This company is inaccurately reporting late payments to my consumer 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company is inaccurately reporting late payments to my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: FL

Complaint narrative:
This company is inaccurately reporting late payments to my consumer 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