vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: MD

Complaint narrative:
XX/XX/2024 15 USC 1681 SECTION 602 There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. I am a consumer of your reporting agencies services and have the right not to have my private information shared which is backed by 15 USC 6801.It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 USC 1681 SECTION 604 ( a ) SECTION ( 2 ) states that in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the with the written instructions of the consumer to whom it relates. The Consumer reporting agencies XXXX XXXX Experian and the financial institution do not have my consent nor my written consent to present this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. The Furnisher of information to credit agencies never informed me of my right to exercise my non disclosure option.

15 USC 1681 ( c ) ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my premission which is against the law. 15 USC 1681s-2 ( a ) ( 1 ) ( a ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sections 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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 2024-01-12 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:
I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  This is also completely inaccurate. 

XXXX XXXX XXXX XXXX Please start an investigation and prove that this actually belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank has beenaproving credit cards for my for my accounts with them and then after a couple months or even a week they close out the cart, and I think this is due to the complaints with the consumer financial protection bureau about my modification for my mortgage that they are penalizing me from having additional accounts like Loan and accounts and credit cards accounts and I think this is a discrimination issue and I have put a formal complaint in with truist, but I want to put another complaint in with the CFPB Because other people other customers need to be aware of what this bank does to minority and people that have money in the bank. I have almost {$300000.00} in the bank and these people are treating me like XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card and I also believe that the co-applicant with me on my account is being treated the same way he just opened up a credit card account with them for {$4500.00} with truist bank and they closed it right back up and then they closed up secure cards as well so that means that youre trying to disassociate your relationship with me as a customer.

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 2024-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I was sent a Target RedCard on XX/XX/24, I opened the letter that had the credit card and information about the card on XX/XX/24. I called Target at XXXX, they let me know that I had a balance of {$460.00} with a credit limit of {$500.00}. I was connected to the fraud department and they let me know that the application for this card was filed on XX/XX/24. They also provided me the email address that was used for the application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-12 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:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost importance regarding inaccuracies on my consumer report maintained by Experian. The purpose of this letter is to seek your assistance in rectifying the violations of consumer reporting laws perpetrated by Experian, which are negatively impacting my creditworthiness. 

Upon attempting to secure financing for a new vehicle, I discovered discrepancies on my consumer report that have unjustly affected my credit score. Despite my repeated written requests, Experian has failed to remove the disputed accounts, names, and addresses, indicating a blatant disregard for consumer reporting laws. 

I believe Experian is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 1681i and 1681e. Section 1681i requires consumer reporting agencies to conduct reasonable investigations into disputed information, promptly correcting any inaccuracies. Despite providing clear and specific instructions multiple times, Experian has failed to fulfill its obligation under this section. 

Additionally, section 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports. Experian 's refusal to remove inaccurate accounts, names, and addresses demonstrates a failure to adhere to this fundamental requirement. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter, investigate Experian 's non-compliance with the FCRA, and take appropriate actions to rectify the inaccuracies on my consumer report. I have attached copies of the written instructions I provided to Experian for your reference. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that Experian fulfills its legal obligations under the FCRA. 

Sincerely, XXXX XXXX XXXX BENEFICIARY

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
This is the second issue I have with this company stating that my balances were not paid this is a company that my bank account is linked too and the payments are on auto pay I have no idea how I had a late payment on my credit file if I did not pay late I did not receive an email any notification my bank account has always been linked not disconnected and my account was charged every month on time I dont understand how I have a late payment for {$20.00} when it makes no sense o. All my payment history each month seems to be paid and now I have a late payment on my credit profile and I have been paying on time this bank issue is not my fault if they dont contact me how am I supposed to know what is going on with my account. I can not have a late payment on my credit file if its not my fault at all I have big projects coming up and this is really inconvenient for me over a company that seems to have issues with their system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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 respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2024-01-12 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: TX

Complaint narrative:
I respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

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 2024-01-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX they stolen {$360.00} XXXX and XXXX missing from my checking account always something on Wednesday XXXX of XXXX I call PNC customer service to dispute two transactions which is {$2.00} and {$23.00} without my knowledge they canceled my debit I went yo XXXX to purchase my groceries I can pay for it I call again about my debit canceled the agent take it personal right now I'm tired dealing with the PNC Bank I addressing that concern tothe FDIC for compensation as a victime Enough it's enough. Sincerely. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: LA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear representative, I was scammed by XXXX XXXX. 
Found concert tickets on the XXXX website ( p. XXXX ), ordered tickets, and got a confirmation ( p XXXX ) : Youll receive an email with instructions and tickets from the original provider, not XXXX. Found tickets 2 times cheaper on XXXX XXXX. Tried to cancel the XXXX order, no cancellation only a sale on the same website. Tried to sell, but nothing to sell, tried to find from them where are the tickets and who is tickets provider, no result. A charge of {$830.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XX/XX/2023. 
Tracking # XXXX XXXX created a double scam ( p. XXXX ) : Send your tickets for sale, if you do not send charges will apply. 
A charge of {$300.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XXXX XX/XX/2023 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to FTC regulation Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved.. 

https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges But the charge is still on my account. Please please help to correct this issue. 
Thank 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 non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My escrow changed and I was not notified because I was on electronic documents. My payments were made automatically from my account and were short. I wasn't called or notified by mail of an issue until 4 months after the problem started. In XXXX I called to straighten the situation out and was given an incorrect figure to bring the account current. The representative pulled from my bank account {$130.00} and should have been {$1300.00}. I was called a few days later to say it still was not correct. On XXXX XXXX The Truist representative pulled from my bank account the difference which was {$1200.00} to bring the account current. I requested to speak with a manager and was told no one was available. I requested a call back and never received one. I also requested to remove the escrow and pay the INS and taxes myself and was told I was denied because I live in a flood zone. This is despite the fact that I have over 80 % equity in my house. On XX/XX/XXXX, I over paid the new mortgage amount oXXXX XXXX by paying XXXX. In XXXX, I received a new statement that included another late fee. I called again and was told it could not be waived. I asked to speak with a manager and was told that one was not available and would receive a call back. I never received a call back. I have not missed a payment in 9 years. I have paid XXXX dollars in late fees and even after I have done everything possible to get this corrected I am still being charged late fees. When I asked if I could get something in writing showing the account is now current, I was told I would have to wait for a new statement. This is blatant robbery and Truist is intentionally using this opaque process to make money on late fees. If the figures to bring the account current were not correct, that is the fault of Truist and I should not be charged late fees. I have wasted several hours on the phone trying to get his resolved and I am still getting the runaround.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-12 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief