vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Best Buy I paid XXXX of XXXX XXXX. 
XX/XX/XXXXXXXX  they email me thank you for your payment. 
Again XX/XX/XXXX thank you for your Payment. 

Next Email was XX/XX/XXXX thank you for payments Next Email XX/XX/XXXX thank you for your payment Best Buy billed me I noticed a large bill XX/XX/XXXX for {$3000.00} dollars and minimum payment of {$370.00}. I to paid the entire bill. 


I began to look back because this is wrong. 
After I complained to the company and XXXX They updated and there things appeared all explained. 

XX/XX/XXXX there is a bill of {$3000.00}. Minimum pay of {$370.00}. 

The month before and after this bill I paid it appears {$50.00} and this goes on until XX/XX/XXXX. Best Buy stated thank you for your payment. 

If a company asked for Minimum due {$370.00} and you pay {$50.00} for a year, this is usually unheard of. According Best Buy I was able to make purchases. 


My email from Best Buy do not reflect any of these payments. from XX/XX/XXXXXXXX  to XX/XX/XXXX these is no email for all my payments. 

Also when I looked back I originally did not see the XXXX dollars reflected as a payment. 
Until I complain everything was updated and found. 

This is not right something is not right XX/XX/XXXXXXXX  I paid XXXX XX/XX/XXXX paid 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 2024-08-31 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that I was in the fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late in payment I have attached a copy of my report to this complaint on the following date - XX/XX/XXXX. 
Im now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
In XX/XX/XXXX I believe I attempted to close my account. I tried to do so using the mailing service. 
In XXXX around the same time, which is XXXX, I was told I had a bill. I tried to close the account again and I paid the bill in order to talk to someone to get the account closed.

Now today, I have received a phone call saying I owe them My card fee plus a late fee. I dont use this card. I even have the unactivated card in my wallet. Its about to expire. It has not been activated. I cant contact a person to close my account. I just go through an automated service.

It is a Best Buy credit card with Citibank as the issuer. I refuse to keep paying for a card I dont use.

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 2024-08-31 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: MD

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 2024-08-31 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:
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am concerned that Transunion, XXXX and XXXX are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX  and currently now have 11 credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my Transunion score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?

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 2024-08-31 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( Account Name - Account Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, ( Account Name - Account Number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose.

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 2024-08-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
When I was on the phone with a agent, she told me that my interest on {$2400.00} would.ve roughly about {$800.00} I was rushed through the process under the threat that I only had so much time left to complete the process or I would be denied, so I accepted the terms vocally over the phone and when I called back 6 months later to find out I was being charged double and that wasn't the agreement I agreed to, the customer service began to get very rude when I complained about being g mislead, I asked for the recorded phone conversation between me and the original agent and they refused my request stating they don't keep phone recordings more than 3 months I was misleads the agent o. The repay.ent amount and pretty much never told the true Interest amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with this XXXX XXXX XXXX XXXX account after the investigation.In my dispute, I disputed the amount and payment history reported in my file, I contacted the company back in XX/XX/year> and again in XX/XX/year> and the response has been the same THEY DONT HAVE RECORDS OF THIS ACCOUNT and its still reporting on my credit.

In accordance with the fair credit reporting Act only properly and validated information is supposed to be reported in your credit report.

This account needs to be removed from my credit report immediately.Please delete the account since they don't have any such record and send me an updated 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have reached out to the credit bureaus to dispute department of education/XXXX account that has been transferred or sold. This account no longer belongs to me and should be removed from my credit reports with TransUnion and XXXX who continues to report on account that is no longer belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: VA

Complaint narrative:
I have reached out to the credit bureaus to dispute department of educationXXXX account that has been transferred or sold. This account no longer belongs to me and should be removed from my credit reports with XXXX and Equifax who continues to report on account that is no longer belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

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 2024-08-31 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: FL

Complaint narrative:
I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT # XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.

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 2024-08-31 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: VA

Complaint narrative:
I have disputed inaccurate information XXXXXXXX XXXX XXXX  collecting on an account that I do not have with this company. I have submitted certified mail to request a validation letter and I have yet to receive one. This company has reported on XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX and Equifax XX/XX/XXXX reporting inaccurate information that can not be verified. The credit bureaus ( XXXX, XXXX, and Equifax ) continues to verify the information is accurate with no supporting documentation. I am requesting that the credit bureaus delete this account if this information is reporting inaccurate with XXXX XXXX XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have disputed inaccurate information XXXXXXXX XXXX XXXX collecting on an account that I do not have with this company. I have submitted certified mail to request a validation letter and I have yet to receive one. This company has reported on XXXX XX/XX/XXXX, Experian, XX/XX/XXXXXXXX  and XXXX XX/XX/XXXXXXXX  reporting inaccurate information that can not be verified. The credit bureaus ( XXXX, Experian, and XXXX ) continues to verify the information is accurate with no supporting documentation. I am requesting that the credit bureaus delete this account if this information is reporting inaccurate with XXXX XXXX XXXX collection agency.

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 2024-08-31 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: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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 am disappointed once again, as this one account reporting inaccurately on my credit file has negatively affected my life. I have attached an FTC report for you to finally reinvestigate and remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: NJ

Complaint narrative:
Over the past 12 months, I have submitted 2 separate disputes to charges on my credit card statement. In both instances, evidence explicitly shows the charges were not authorized. However, the credit card company Citibank denied both disputes. 1ST DISPUTE : In the later half of XXXX, I was charged twice for the same meal from XXXX XXXX XXXX. I was charged once by XXXX and then again by the merchant XXXX XXXX XXXX. This is shown explicitly on my credit card statement. When I filed this dispute with my credit card company Citibank, they automatically denied the claim. Although XXXX eventually reversed the charge, it took months of unnecessary phone calls. 2ND DISPUTE : Submitted on XX/XX/XXXX, evidence again clearly shows that a credit card charge was unauthorized. A credit card receipt explicitly states that cash was paid. Again, Citibank automatically dismissed my dispute request. CONCLUSION : I believe that Citibank 's dispute department does not reasonably investigate disputes and just automatically denies claims. If there is credible evidence that a charge is unauthorized, Citibank must reverse the charge by law. Instead, it's taking months of phone calls and letters to resolve simple billing errors. This

is a violation of the Fair Credit Billing Act. What's truly funny is that I submitted this same complaint with XXXX  2 weeks ag
o, and they too automatically closed mycomplaint when Citibank responded that " they need more time ''. I guess every corporation uses automated bots these days

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 2024-08-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX EQUIFAX XXXX XXXX XXXX, XXXX, GA XXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX DOB- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Ny XXXX Email - XXXX SSN- XXXX Phone number XXXX Inquiries that need to be removed are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation