vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
When I first searched for a place to stay in XXXX XXXX, XXXX, I saw a listing similar to the XXXX enclosed which stated XXXX guests and a single nightly fee. Nowhere in the listing or in the subsequent reservation did the host state that the nightly fee was subject to increase depending on the number of guests. If that was her policy, she had a duty to disclose it up front. I used my credit card on XX/XX/XXXX to pay XXXX {$2600.00} for 28 days for XXXX guests. Subsequently, I requested to increase the number of guests to XXXX. XXXX rules state that the original total and the new total should have been shown to me before I submitted my request for the change.. The rules also state that the charge should have been shown before I confirmed the change. That never happened because I relied on the disclosures in the original listing and reservation. Instead, on XX/XX/XXXX, a price adjustment of {$870.00} was charged to my credit card without my knowledge or authorization. At that point, XXXX had {$3500.00} of my money, and a stranger in a foreign country with a no refund cancellation policy had the key to the unit. On XX/XX/XXXX I contacted the host and her response to my request for credit was declined. The matter was then escalated to XXXX XXXX XXXX manned by an international array ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX of so-called Support Ambassadors who used tricks like you havent responded ( which was not true ) or sending a message in the middle of the night with a XXXX deadline for reply. That was all a faade to protect the host who provides income to XXXX, regardless of the facts. The whole situation was classic fraud by omission and hidden fees.

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 2024-12-28 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: EQUIFAX, INC.
State: AL

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 USC 1681.

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 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 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 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am filing a complaint against **Bank of America** for denying my application for a student credit card despite being a student. I believe this denial violates my rights under the **Equal Credit Opportunity Act ( ECOA ) **, which prohibits discrimination in credit applications based on certain protected characteristics, including the fact that I am a student. 

The details of my situation are as follows : - I am a **full-time student** enrolled in XXXX XXXX XXXX XXXX XXXX and I meet the qualifications outlined for the student credit card offered by Bank of America. 
- I submitted an application for a student credit card through Bank of America on XX/XX/year>. 
- Despite meeting the eligibility criteria for the card, including being a student, my application was **denied**. 

The reasons provided for the denial were **vague and did not clearly outline how my application did not meet the necessary criteria**. I have not received any specific information or documentation about why my application was rejected, nor was there a proper explanation as to how being a student impacted the decision. 

Under the **Equal Credit Opportunity Act ( ECOA ) **, I understand that I am entitled to apply for credit without discrimination based on my student status, as long as I meet the necessary criteria and income requirements. The denial of my application appears to be unjust, particularly because the credit card in question is explicitly marketed to students, and I meet all relevant qualifications. 

I respectfully request the **CFPB** to investigate this matter to ensure that Bank of America is complying with the requirements of the **ECOA** and that the denial of my application was not based on discriminatory practices. Additionally, I request that Bank of America provide a clear, detailed explanation for the denial of my credit card application, including how student status may have influenced their decision.

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 2024-12-28 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:
Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) On XX/XX/2024 and XX/XX/2024, and XX/XX/2024 I fowarded correspondence to your attention for the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report. To date, the below information remains on my credit report. This is a violation of the law. I am writing to formally request, for the FOURTH REQUEST, the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Experian data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date XXXX : Amount : {$840.00} Account Name : XXXX  Account Number : XXXX Date Opened : XXXX per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.

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 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I want to update my mailing address for the class action lawsuit against Lexington Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: DISCOVER BANK
State: MD

Complaint narrative:
Discover Bank has charged off my credit card during covid and it has been showing on my credit report until today. I've have asked several times to send me my XXXX statement so I can write it off on my taxes but have not recurve anything as of it. This is a fraudulent act and I'm going to sue for statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a formal complaint regarding a blatant violation of the Fair Credit Reporting Act ( FCRA ) under **15 U.S.C. 1681 ( b ) ( 2 ) ** and **15 U.S.C. 1681 ( q ) **. On XX/XX/year>, an unauthorized credit inquiry from XXXX XXXX was made on my XXXX credit report. This inquiry occurred without my consent, written authorization, or any permissible purpose, as required by federal law. I have not engaged in any transaction with this company nor granted permission for them to access my credit report, making this inquiry unlawful under **15 U.S.C. 1681 ( b ) ( 2 ) **. Furthermore, **15 U.S.C. 1681 ( q ) ** prohibits obtaining a consumer report under false pretenses, which directly applies to this situation. Please consider this matter urgent. I trust the Consumer Financial Protection Bureau will take immediate and decisive action to enforce the law, rectify this harm, and ensure that my rights under the FCRA are fully respected. I have attached a copy of my credit report circling the disputed 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 explanation
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
I am writing to formally request the deletion and blocking of an account from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below, I have outlined the specific account that I believe is the result of this breach and should be removed from my credit report : Fraudulent Account : XXXX XXXX XXXX XXXX Account : XXXX Date : XX/XX/year> Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: CA

Complaint narrative:
XXXX accounts reporting on Equifax and XXXX I requested XXXX XXXX services to provide me documents that those accounts belong to me. They refuse to show me evidence. I have disputed those account multiple times with the credit bureaus and nothing has been done those accounts are hurting my credit really bad I have sent multiple letters to XXXX XXXX services by classified mail and they have ignore my request to provide evidence of documents I have also sent multiple letters to the credit bureaus regarding those accounts and they have not provide me with evidence either all of this has caused me so much stress because those accounts are damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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:
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 2024-12-28 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:
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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are accounts on my credit report that I did not authorize, which may be linked to identity fraud. I request that these accounts be blocked and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WSFS FINANCIAL CORPORATION
State: LA

Complaint narrative:
Illegal seizure and sale of XXXX XXXX and XXXX XXXX XXXX personal property XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

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 explanation
Consumer complaint received 2024-12-28 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:
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 explanation
Consumer complaint received 2024-12-28 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: LA

Complaint narrative:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a personal account opened at XXXX XXXX  on XX/XX/XXXX with personal loan account number XXXX an a personal account at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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 2024-12-28 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 2024-12-28 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: TX

Complaint narrative:
Ive identified multiple billing errors on my credit report. These late payments dont correspond to my actual payment history. Please correct these mistakes and update my account records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
Unauthorized inquiries into your credit report are a violation of your rights for several reasons, based on consumer law and Metro 2 standards.

Consumer Law ( Fair Credit Reporting Act - FCRA ) : The FCRA mandates that only entities with a permissible purpose ( such as lenders reviewing credit applications or companies providing services youve requested ) can access your credit report. When someone makes an inquiry without your consent or a legitimate reason, it is considered unauthorized. This violates your right to control who sees your credit information, and it could also lead to harm, such as a lower credit score or identity theft risks.

Metro 2 Standards : Metro 2 is a data format standard used to report credit information. If an unauthorized inquiry is incorrectly recorded or reported under the Metro 2 system, it may appear on your credit report as a valid inquiry, even though it was not authorized. This misreporting can further damage your credit score and your ability to obtain credit in the future. Metro 2 standards require that only accurate and legitimate inquiries be reported to credit bureaus.

In summary, unauthorized credit inquiries violate your rights by breaching the FCRA, which protects your personal information and ensures only legitimate parties access your credit report. Additionally, Metro 2 standards require that only authorized inquiries be accurately reported, so a wrongful inquiry could also result in inaccurate credit 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm concerened about the fact that my XXXX score is XXXX and my transunion is XXXX and my equifax XXXX I understand there will be some differences but those seem a bit drastic to me. I reached out to them with no results

Company response to consumer: Closed with explanation