vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Situation My wife and I have been loyal customers of Citizens Bank for over 35 years, holding various accounts including checking, savings, investments, credit cards, and our mortgage. Sadly, on XX/XX/year>, my wife passed away unexpectedly. I provided our local branch with proof of her passing to freeze her accounts and withdrew some money from our savings. On XX/XX/year>, I paid the total balance due on her credit card from our savings account. 

In XXXX, I received a new statement with a balance of {$8.00} due to daily interest accrued before my XXXX payment. I paid this amount in person at our local branch on XX/XX/year>. On XX/XX/year>, I received a letter stating the account was paid in full but would be reported as a " paid-in-full charge-off, '' which negatively impacts credit reports. According to the XXXX website, A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 

Complication Understanding that mistakes happen, I went to our local Citizens branch for resolution. The assistant manager claimed she couldn't help. Frustrated but hopeful, I called the number on the letter and spoke to the Recovery team, who was also unable to help and transferred me to Credit/Collections . This department was unhelpful and insensitive, referring to my wife as though she were still alive and suggesting that the account had been in collections, which it had not. The employee then suggested disputing the filing with the credit bureau. After pushing back and requesting a supervisor, I was transferred back to the Recovery Department. 

I then spoke to another individual within the Recovery Department. While he couldnt resolve the issue, he at least provided this email address for further communication and to request a resolution.

Requested Resolution My wifes name and reputation are essential to me in life and death. The account status and credit bureau filing should be changed from paid-in-full charge-off to reflect that it was paid off while in good standing and is now closed. This resolution needs to come from Citizens Bank. Honoring my wife is a matter of principle and pride, and I will not remain loyal to a bank unwilling to see this through.

I have shared with Citizens Bank what the expected and acceptable resolution looks like for me. Regardless of their ability to resolve, it is vital for agencies like the CFPB to be aware of this unacceptable customer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: DISCOVER BANK
State: OH

Complaint narrative:
Received 2 phone calls from XXXX  XXXX ref # XXXX and one from Discover ref # XXXX that someone is XXXX TX is trying to open an account with the last 4 of my social in my name. They want to send me directly to you and will not let me contact you directly which leads me to believe scam. Discover call came from ( XXXX ) XXXX which shows as scam on internet. 
I need to know if these are really scam calls or should I be notifying the credit bureaus. Calls tell me you will solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : FACTUAL DATA XX/XX/year> 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 crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/2024 ... I send XXXX dollars to XXXX XXXX.by a wrong email ... I have lost tge XXXX dollars And no respond aborto tge money The Just jeep telling me the it is on the last step ... .and has been a month ... TapTap Send is the company ... What to do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/year>2024 I booked a prepaid rental car reservation through XXXX & XXXX XXXX XXXX XXXX totaling {$170.00} that I paid for with my XXXX account linked to my debit card & personal checking account. We picked the rental up on XX/XX/XXXX & used our Barclay 's Mastercard to cover the deposit required to rent the vehicle, as we already prepaid for the vehicle on XX/XX/XXXX. We returned the vehicle as scheduled on XX/XX/XXXX. The following week, I discovered a charge for {$440.00} on our Barclay 's Mastercard that was used for the deposit. I immediately contacted XXXX via email to inquire about the charge as email is their only method of communication. Only XX/XX/XXXX, I received a email response indicating I had been billed for an additional cleaning fee & the charge was determined to be valid. I emailed back requesting photos or evidence of the need for additional cleaning as I'm sure we returned the vehicle in the same condition we picked it up in. The same day, XXXX responded indicating they were going to investigate further & get back to me. I never received any further correspondence from them. As a result, I filed a dispute with my Barclay 's Mastercard later that week. I sent Barclay 's evidence of my reservation & total cost for the rental as well as my prepaid charge on my XXXX  account that was paid in full ; as well as the email exchange between me & XXXX XXXX XXXX confirming they never responded to my request for proof. I spoke with at least XXXX different agents & XXXX Sr. Account Resolution Specialists at Barclay 's trying to resolve the matter. I received a letter dated XX/XX/XXXX from Barclay 's indicating they denied my dispute due to insufficient evidence that services were not rendered. I called back requesting XXXX call backs twice. The last dispute  specialist who called me back simply regurgitated what was stated in the letter & told me if I have further concerns to write into the CEO 's office as I could not speak with his XXXX. I explained several times I was not disputing the fact that services were rendered. I was disputing the undocumented cleaning fee that has no evidence to support it. The XXXX did nothing to resolve the matter.

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 2024-07-08 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: PA

Complaint narrative:
My account with XXXX  XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
An online saving account was open under my name with Marcus by Goldman Sachs without my permission. Bank statements have been sending to my home address with balance of {$1.00}. As of XX/XX/year>, I received the last statement indicating such account funding was withdrew and account was closed on XX/XX/year>. I called the corresponding bank to understand the situation. They were not too cooperative about my request and I spoke to three different customer service representative ( 1 being the supervisor on shift ). I was instructed in order to get account information, I have to file a fraud report along with a police report and submit it with my written statement via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A, states that I have a right to privacy. 

15 U.S.C 1681 section 604 A Section 2, states that a Consumer Reporting Agency can not furnish an account without my written instructions. 

15 U.S. Code 1681e Section B - Accuracy of Report, states that Consumer Reporting Agencies shall follow reasonable procedures to assure maximum possible accuracy of the information. This account shows 30 and 60 days late payment on one credit bureau however, it shows 60 days and 90 days late on another credit bureau. I have never been late on a payment regarding account number XXXX from XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with the account listed below which is still appears on my credit report, even after Equifax investigation. I would like this item immediately re-investigated. The inaccuraries are highly injurious to my credit score ( XXXX XXXX XXXX XXXX. In accordance with the Fair Credit Reporting Act, Public Law 91-506, title VI, section 611 subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after the re investigation. 

Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
When I originally contacted Navient regarding school misconduct I received a response stating that I was a candidate to receive a misconduct discharge application- which I did receive from them. I completed & submitted the misconduct application and approximately 30 days later received a blanket/vague letter stating after " carefully considering a variety of factors '' they determined I did not meet the criteria - period. No explanation of how they got to that conclusion, if I needed to provide additional information, etc. I then reached out to their customer service department requesting an explanation - in writing - and I received another vague response telling me I had to call a number and leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Dispute # XXXX There are XXXX fraudulent transactions that took place on my lost debit card, I originally attempted to dispute directly with chime bank and they denied it less than XXXX hours later with no proper investigation or evidence that it was not done in error. 

I did not authorize or make these transactions with the merchant XXXX XXXX XXXX XXXX - {$240.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  - {$5.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX - {$45.00} XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX - {$80.00} XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX - {$24.00} XX/XX/XXXX at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: FL

Complaint narrative:
I will like these two collections removed from my report. Its not mine. 

XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXXXXXX Original Creditor Name XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( XXXX XXXX, EQUIFAX, XXXX ). 
Therefore, you must delete these entries, to comply with the Law.

Please remove the following account for non-compliance : XXXX ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
The following creditors no longer own the accounts they are reporting, they have sold them. As per federal, state FCRA and FDCPA laws and terms and conditions, you must own an account to report to the repositories, ( XXXX XXXX, XXXX, EXPERIAN ). 
Therefore, you must delete these entries, to comply with the Law.

Please remove the following account for non-compliance : 1 ) XXXX XXXX  : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX XXXX XXXX : ACCOUNT # DOES NOT EXIST XXXX ) XXXX XXXX XXXX  XXXX XXXX : ACCOUNT # DOES NOT EXIST

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 2024-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
15 U.S code 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these immediately! These accounts should not be furnished on my consumer report as they are In violation! Under, 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency written consent to anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion on these accounts listed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX /2024 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Name And Addresses XXXX XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-08 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: PA

Complaint narrative:
My name is XXXX XXXX and I have included several documents for your review displaying the XXXX XXXX accounts being furnished on my account from the following credit reporting agencies. XXXX, XXXX and Experian. 
This is not a third party filing this 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 2024-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to 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 2024-07-08 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: FL

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on 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 2024-07-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on 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