vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is the second complaint I have filed against Citibank ( Citi ) for the exact same problem.Citi previously reported my address incorrectly to the credit reporting agency XXXX.My address for the last XXXX  years has been XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX erroneously XXXX it as XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX do not and have never lived at that address.This error occurred because the Citi app on my mobile phone and XXXX can not accommodate my complete address on my Citi profile, my address is apparently one digit too long ; therefore, it automatically defaults to a similar address, in this case the incorrect XXXX XXXX address.This problem was supposedly fixed by Citi after I had several conversations with Citi employees in their IT group, who were surprised that the problem existed.The problem was NOT fixed.Once again, they reported the incorrect address to XXXX.I learned that Citi is again reporting the wrong address to XXXX in the same manner as the previous time, through another credit card issuer that sent me an email asking me if I moved. 
I want Citi to permanently fix this problem. I contacted them on XX/XX/2024 and was assigned Citi reference number XXXX  XXXX XXXX XXXX XXXX and told someone would call me. They have not called and my call to them went into voicemail.Please help me to stop Citi from continuing to provide bad information to credit reporting agencies.I do not know whether they also provided bad information to XXXX XXXX and XXXX.They need to contact those agencies as well if they did.

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 2024-04-19 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: CA

Complaint narrative:
I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: IN

Complaint narrative:
It's been unauthored information reported on my credit report I reach out to the companies and credit bureaus that failed to verify the information by providing documents requested of my signed name on the documentation that authored my social security number to be used they also failed to remove the information. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Please See Attached Documentation 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 ) 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. 

XXXX XXXX {$11000.00} closed, XXXX XXXX XXXX {$5400.00} closed, XXXX  XXXX {$350.00} Closed, XXXX  XXXX {$990.00} closed, XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX late payment. Also including all XXXX and soft inquiries.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2024-04-19 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't 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 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian lowered credit score by over XXXX points on one inquiry from XXXX XXXX XXXX. Investigation revealed that I could restore my credit score if I joined XXXX for {$9.00} XXXX  and purchased at least 2 of their credit cards. This is a scam! Also, elder abuse!

I merely wanted them to report my REAL score to increase credit limit at new bank. I inf
ormed them I had reported their scam to you.

Not surprisingly, credit score has gradually increased, but too late for review by bank. Have to wait at least 60 days! Person at card center XXXX XXXX  suggested I report them to 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 explanation
Consumer complaint received 2024-04-19 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: Synovus Bank
State: NJ

Complaint narrative:
My information was disclosed to a third party without my permissible purpose!

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm puzzled by reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX ( {$1600.00} ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX - XXXX ( {$320.00} ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked to Stop reporting this collection because it is unknown. 

XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've requested to Stop reporting this collection because it is unknown. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES ABOVE, I've asked to Remove this inquiry because of false reporting, it does not meet one of the requirements for the reporting of inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX ( {$1600.00} ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX - XXXX ( {$320.00} ) XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've asked to Stop reporting this collection because it is unknown. 

XXXX XXXX - XXXX ( XXXX ) XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I've requested to Stop reporting this collection because it is unknown. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX INQUIRIES ABOVE, I've asked to Remove this inquiry because of false reporting, it does not meet one of the requirements for the reporting of inquiry.

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 2024-04-19 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: OneMain Finance Corporation
State: TN

Complaint narrative:
On XX/XX/24, I applied for an unsecured loan through the OneMain Financial website. After submitting my application, I was immediately notified by the credit monitoring services I use that my credit report had been pulled from multiple credit reporting agencies, without my permission. 
It was pulled from XXXXXXXX XXXX XXXXXXXX. 
When I attempted to contact the OMF local office in my area & also the customer service center at XXXX, no one was able to help regarding why there were multiple pulls of my credit report & no one was able to assist me in getting the additional inquiry removed. 
However, my local branch did tell me that for my loan application, XXXX was the official credit agency used, & there was no mention of XXXX or XXXX used for my application. 
I was fine with XXXX being used ; however, I did not authorize more than one bureau to be used, nor was I notified that there would be more than one inquiry performed on my application. 
I contacted XXXX & they told me I must request from XXXX they manually remove the credit inquiry from the report. 
I contacted XXXX via their XXXX XXXX email. 
XXXX of their reps called me & told me she would investigate. 
When she called me back today, XX/XX/24, she told me that yes, there had been XXXX separate inquiries performed for my application : XXXX on XX/XX/24 from XXXX & XXXX done on XX/XX/24 from XXXX. 
I asked her to remove the XXXX inquiry, as I had not been notified that One Main Financial would initiate an inquiry from more than one bureau. 
She refused to remove the inquiry & said " that's just what we do. '' Therefore, I am requesting that the OneMain inquiry is removed from XXXX, I did not authorize this inquiry, nor was I notified this inquiry would occur prior to initiating the application. 
My XXXX credit report score also decreased after this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the credit
or to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-04-19 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: NCB Management Services Inc.
State: MN

Complaint narrative:
Ncb Management Services I paid this collection after agreeing on the phone with the agent that they would delete this account from all credit agencies. I've contacted them many times since then, and all they send me is a receipt for the account that I agreed to pay on in the event they would update my credit report/delete the account. 

I was told that within 30 days of payment my credit file would be updated and the account removed from each reporting agency, this has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: OR

Complaint narrative:
I have US bank checking account and line of credit account for several years. The reason I keep the checking account is making payments to my line of credit. Last year I never used any balances from my line of credit so I didnt deposit any money into my checking account. Several days ago I got XXXX mails, and one mail showing I owe {$90.00} dollars annual fee and {$60.00} late fee on my line of credit account, and another mail showing the banker closed my checking account because it overdrawn the account to pay {$90.00} which I owed the annual fee on my line of credit, and I also had to pay extra {$65.00} and no reason showing on the mail. So initially I only owed {$90.00} but one the end I paid almost {$300.00}! The bank charged me {$90.00} on both the checking account and line of credit account. The bank also failed to sent me any notification before closing my account and charging me late fees. And I called the banker several times nobody gave me a correct answer. I called the customer service they said call mortgage and I called mortgage they said call checking account. I called checking account they said call customer service!!!

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 2024-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Capital One Accounts ending in XXXX and XXXX XXXX Account ending in XXXX XXXX XXXX XXXX  ending in XXXX 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/XXXX I was a victim of fraud to my Navy Federal Checking Account in the amount of around {$970.00} ( I don't have the exact amount in front of me ). The fraudulent charges were made at a XXXX in XXXX, XXXX. I reside in XXXX  and have never been to XXXX, XXXX. Furthermore, I was in XXXX at the time and my transaction history confirms that I was out of the country at the time. I had my bank card in my possession at the time in XXXX and have never authorized any use of any other person. 
Unfortunately, despite appealing 3 times Navy Federal has determined no fraud could be found despite my even sending them confirmation of my physical GPS location of being in XXXX and my transaction history, XXXX and flight records. 
This has led to an avalanche of financial issues including over draft fees. I have never had an opportunity to discuss how they came to this decision or advised what information that could be provided that would be favorable. 
I was granted special approval to appeal this week XX/XX/XXXX, however was again denied to have my funds restored. I don't understand how this is not fraud considering even the transaction history of the fraud which was multiple charges of {$100.00} or less in rapid succession adding up to the $ XXXX amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief