vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

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 ) sections 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 seven 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 if the persom kmows or has reasonable cause to believe that the information is inaccurate.

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a XXXX credit card through CitiBank/Best Buy. On XX/XX/XXXX the credit limit was {$5500.00}. On XXXX I made a payment of {$3000.00} to lower my debt on the card in anticipation of a charge that was going to be made. A few days later, that charge was placed on my account for a maximum of {$330.00}, but it could have been lower, it was a lottery charge. On XX/XX/year> I received notification that my credit limit was being dropped down to {$3100.00} where it currently stands. This was immediate and with no warning. I had no room to dispute or ask for delay. I immediately placed another payment of {$500.00} so the charge of {$330.00} would clear, as this would place my account far too close to the credit limit. I had to previously ask credit services to push through the {$3000.00} charge, and they were kind enough to do so. But this time with the {$500.00} it was a total nightmare. I spent a good chunk of the day on the phone being passed around different departments and at one point was even referred to XXXX who had nothing to do with the payments. They eventually pushed my payment through, and I lost out on the purchase. It was declined, and I lost my chance at what I was trying to purchase. I have made 3 payments of {$200.00} since, and not a single one of them has lowered my credit balance. Citi seems to be refusing to apply my payments to my balance. I am not going to go through the process of calling and fighting with them again. I am also worried they will drop my credit limit again out of spite. I have being continuously denied more charges because of this despite clearly having the proper account balance. The discrepancy is in the " available credit '' which they will not lower. Today, my account balance shows over {$500.00} less than the credit limit, but my available credit is negative {$83.00}. I had to fight them again today just to get my account semi-cleared to use for something else, and I still couldn't use it to the full capacity. 

I filed a complaint with CFPB in XXXX hoping for a remedy to this situation. CFPB was able to get a response from the company to me, but the response was very poor and they did not address the initial issue, instead blaming me for poor credit, although my payment history with this card has been spotless. Then this past week they closed my account and card without warning. I feel this is retaliation for filing the CFPB report. Initially I did not want further action taken beyond my account limit being restored and an acknowledgement a mistake was made, but now I am asking for more including a full restoration.

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 2024-12-05 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-12-05 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: GA

Complaint narrative:
" The accounts listed on my credit report contain inaccuracies, including incorrect account statuses, payment history, and/or account balances. Despite previous attempts to have these corrected, they continue to reflect erroneous information, which is unfairly impacting my credit score. I am requesting assistance in having these accounts reviewed and removed due to the inaccurate 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 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I purchased an electric double oven ( Model no # XXXX Serial no # XXXX ) with 1 year warranty with 2 years free interest promotion from Home depot .

The oven was not function as described ( only the top oven was working with error message in the led screen code XXXX. 
We called Home depot and the manufacturer to fix the issue but they failed to do so 5 times. ( XXXX no # XXXX ) The manufacturer issued a credit to home depot for the faulty unit on XX/XX/XXXX to Home depot and the instruct me to discard the unit and I do not have to return. ( Email attached ) After the two years ended last month I found interest charged to my credit for the amount of {$2600.00} as interest for the principle of {$3900.00} for the unit.

I called home depot and filed a dispute but they denied my right to dispute stating that is old matter.

Please help me to get my right to resolve this 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 2024-12-05 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: NC

Complaint narrative:
i am writting to formally report identity theft and to request the removal of inaccurate, fraudulent, fraudulent inquiries, incomplete, negative, and outdated items from my credit reports. SECTION 623 ( a ) ( A ) According to my rights under the Fair Credit Reporting Act ( FCRA ), i am entilted to disupte andcorrect any erroneous information that adversely affects my credit standing. The fraudulent activity has severely impacted my credit, and i seek prompt resolution to rectify this situation. Please conduct a thorough investigation and remove the incorrect entries from my credit reports as per the provisions of yhe FCRA. thank you for your immediate attention to this matter. 
Accounts Affected

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a business credit card with XXXX XXXX with a limit of XXXX after a few months, I had a balance of $ XXXX was due XX/XX/XXXX, XXXX days later they reduced my limit from XXXX to XXXX for no reason.

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 2024-12-05 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 am filing this complaint to dispute the inaccurate reporting of an account labeled as " XXXX '' with account number XXXX on my Equifax credit report. 

This account does not belong to me, and despite multiple disputes, Equifax has failed to provide any evidence verifying its legitimacy. It is important to note that this account is not reported by either XXXX or XXXX, further raising questions about its validity. 

Additionally, this is a collection account, and per FCRA regulations, collection accounts can not report a " 120 days late '' status. By definition, collection accounts represent debts that have already defaulted and been sent to collections, making it improper to assign a late payment status. Moreover, there is no original creditor listed for this account, which further invalidates the accuracy of this reporting. 

Equifax has had sufficient time to provide verifiable proof regarding this account. However, no such documentation has been presented to substantiate its legitimacy. Therefore, I demand the immediate removal of this unverified and inaccurate information from my credit file as required under 15 U.S. Code 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have no affiliation with these creditors and did not initiate these inquiries. Kindly proceed to promptly remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Carecredit has a form on their website to request help for problems like financial hardships. 
I recently became fully XXXX so I completed the form last month thinking there would be some kind of benefit for the consumer. 
Within hours CareCredit lowered my credit limit even though I have never missed a payment.

The resulting lowered credit limit hurt my credit score and further complicated my situation.

CareCredit should not be able to promise help only to use medical information provided against their customers.

They provided zero services, assistance, or information, and refused to provide me with a written explanation of why. 

Their " service '' only damaged my credit by quickly lowering my limit.

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 2024-12-05 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$780.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX  XXXX XXXX XX/XX/XXXX {$5700.00} XXXX, XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} These accounts have resulted in XXXX  fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing a complaint against Transunion for failing to conduct a proper investigation into my disputes and instead accusing me of using an unauthorized third party to submit my requests. On two separate occasions, I mailed dispute letters to Transunion, disputing inaccurate accounts on my credit report. To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The first letter was mailed on XX/XX/year> ( XXXX XXXX mail tracking number XXXX ), and I received a response dated XX/XX/year> via email. 
The second letter was mailed on XX/XX/year>, and I received a response via mail dated XX/XX/year>. 
In both responses, Transunion stated : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), Transunion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that Transunion has violated my consumer rights by failing to investigate my disputes and falsely accusing me of using an unauthorized third party.

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 2024-12-05 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: CA

Complaint narrative:
On the date of XX/XX/XXXX I received some inquiries on my credit that I did not authorize I have reached out multiple times to retain my creditworthiness but I was denied on the phone multiple times with Transunion which goes against the Fair Credit Act which they must be compliant to. XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX  XXXX XXXX XXXX and lastly XXXX XXXX XX/XX/year>. These are all tampering with my credit score as well as my creditworthiness and must be removed because I DID NOT AUTHORIZE!

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 2024-12-05 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: LA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I paid off a balance of approximately {$9000.00} from my rewards credit card on XX/XX/year>, per bank records. I checked my credit through the bank app before paying and it showed XXXX different balances on my rewards credit card. I gave it XXXX days and logged back into their credit report website, where I was shown an outstanding balance of approximately {$7500.00}, for a card they replaced months ago. I sent the bank an email trying to get a response or this issue cleared. Instead I got charged a {$20.00} interest fee on a {$0.00} balance. I have proof my balance was paid off, entirely. Yet the bank is affecting my credit score with this false debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I am filing this complaint regarding my interactions with XXXX XXXX XXXXXXXX XXXX over a disputed debt. When I contacted the company to negotiate a settlement on XX/XX/year>, they demanded to know the source of my funds, despite my current unemployment status, and refused to proceed with negotiations unless I disclosed this information. Additionally, they are attempting to collect an amount higher than the original balance, including a {$95.00} fee that was never previously disclosed. They insist that I pay the full amount or XXXX payments exceeding {$4800.00}, which I believe is inaccurate. 

Furthermore, after I formally requested a debt validation letter on XX/XX/year> under the Fair Debt Collection Practices Act ( FDCPA ), they initiated legal proceedings which have yet to be assigned a date, against me instead of providing the requested validation on. This action appears to violate the FDCPA, which requires debt collectors to validate a debt upon request and cease collection activities until the validation is provided. 

Their unwillingness to negotiate in good faith, the imposition of undisclosed fees, and their failure to comply with the FDCPA are unfair and unlawful. I am requesting the CFPBs assistance in addressing these violations and ensuring fair treatment in this matter.

Company response to consumer: Closed with non-monetary relief