vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Supervisor XXXX on XXXX XX/XX/year> Hung up and refused to provide confirmation of dispute being re opened I am requesting confirmation Your dispute dept are hangin up and I have records of the phone calls Therefore your company making it impossible to check the statuss, open a dispute cause online didnt work Anything related to dispute items Your company not allowing and its against the law. 
Its an ongoing issue from Citibank

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 2024-08-17 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: OH

Complaint narrative:
- XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX : XXXX - XXXX XXXX XXXX XXXXXXXX I found several fraudulent accounts on my credit report due to identity theft. These are severely impacting my ability to obtain credit. Under Section 605B of the FCRA, I request their immediate removal. Please investigate and correct my credit file promptly. Thank you for your swift 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 explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XXXX XXXX and XXXX XXXXXXXX stole XXXX XXXX. Dollars from me at XXXX XXXX m and t bank XXXX pa about year ago!! 

I want that money back!! 

Police report needs filed I don't know how navigate court system!!

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 2024-08-17 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Unauthorized Inquiry Dispute Dear Sir/Madam, I am writing to dispute unauthorized inquiries listed on my credit report. Upon reviewing my credit report, I have identified several inquiries that I did not authorize. The details of these unauthorized inquiries are as follows : 1. Inquiry by Jefferson Capital System on XX/XX/year> I am concerned about the potential impact these unauthorized inquiries may have on my credit score and overall creditworthiness. Therefore, I kindly request that you investigate these inquiries and provide proof of authorization. If you can not provide documentation that verifies my authorization for these inquiries, I ask that they be removed from my credit report immediately. 

Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
I have three credit card accounts on my credit report. There was no need for me to open another credit card all my cards are paid up to date. Some how there is a fraudulent account in my name that was given permission from me im asking for it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-17 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-08-17 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: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.

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 2024-08-17 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: FL

Complaint narrative:
Im reaching out for your help concerning the incorrect account appearing on my credit report. This mistake has caused damage to my reputation, and I need your support. Due to the mismanagement of my credit report, Ive been deeply impacted, and my reputation has been tarnished. These errors must be addressed for the sake of my family 's well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: FL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am unable to obtain my Transunion credit report and credit score online. I have spoken to a representative and they were unable to help. As a consumer I have the rights too be able to obtain what is on my credit file, without waiting weeks for it to come the mail. Also, in the mail a credit score can't be provided. Please help!

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I've recently tried to open a checking 's account for Capital One bank, but the application was declined and wont approved because my XXXX XXXX  deposit score is XXXX and stated that the number of different banks inquiring during the last 2 years. this was the XXXX time I've tried to do it on this bank but i got the same warning

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: OH

Complaint narrative:
Un authorized And fraudulent collections on my report under 15 USC 1681 ( a ) ( 3 ) The following XXXX ( XXXX ) credit bureau 's ; XXXX, experian, and XXXX  assumed this row without my permission, nor my consent. Furthermore in accordance with 15 USC 1681 ( a ) ( 4 ) The aforementioned credit reporting agencies did not respect my rights to privacy. I have requested the proceeding entries removed from all credit bureau 's credit reports. The credit bureau 's denied my request to have the items removed. 
It is illegal to sell my debt and not report it, but still have the original debt holder on my credit report. 
The companies did not do anything to help XXXX XXXX. 
15 USC 1681a section 603 ( k ) ( b ) ( ii ) Adverse action against the consumer is illegal.

15 USC 1681 section 604 A States, a consumer reporting agency, can not furnish an account without my written consent.

I did not consent.

15 USC 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt. I am being contacted without my permission, while at work, and called from several different telephone numbers everyday. 
I would like to pursue punitive damages for each individual violation of my rights as a consumer, harrassment, mental angusih from seeking housing, and transportation for me and me children and being denied due to the violations listed here. 
I would like to seek punitive damages for the maximum amount for each occurrence. 
I would like the following accounts removed from ALL credit reports Along with all hard inquiries and derogatory comments XXXX XXXX XXXX ( Debt buyer ) Opened XX/XX/XXXX {$1000.00} XXXX XXXX ( Credit card ) Opened XX/XX/XXXX {$160.00} XXXX XXXX XXXX ( Debt Buyer ) XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$370.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$10.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$97.00}

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 2024-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Was stolen at XXXX XXXXXXXX XXXX XXXXXXXX pa!! Police report needs filed!! 

XXXXXXXX XXXX XXXX. And XXXX. Was not refunded by airline 5 years ago I don't know how to navigate court system. I'm getting ready to XXXX XXXX XXXX XXXX 
Trying to get XXXX. 
Its only me and XXXX. 
Nobody is helping me. 
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 monetary relief
Consumer complaint received 2024-08-17 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:
XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXX I discovered several fraudulent accounts on my credit report due to identity theft. These are blocking my access to essential credit. Under Section XXXX of the FCRA, I demand their immediate removal. Please resolve this by correcting my credit file without delay. Thank you for your prompt attention.

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 2024-08-17 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: NE

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 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 2024-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I made formal requests to close my XXXX XXXX XXXX with Barclay 's Bank after numerous problems with customer service plus their frequent false positive fraud notifications which included freezing my card. The fraud notifications were almost universally wrong wasting my time on the phone with them to resolve. 

I started these requests online then by wet signature letter delivered to them by XXXX XXXX mail. These requests started on XX/XX/year> with the Certified letter then continued with repeated follow up requests through their online secure messaging center. I also blocked both cards. 

They continued to allow charges from automated payments with several companies even though the cards were blocked and my requests to close the account had been filed. 

I provided numerous documents below which include the Certified Letter and screenshots of their online secure messages I sent them. 

They have also charged me a new annual fee of {$1200.00} well after my requests to cancel the account and cards.

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 2024-08-17 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: FL

Complaint narrative:
As you can see my credit report is excellent there has been a fraudulent credit account added to my report that I am asking for you guys to remove, please review attach files below.

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 2024-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: WV

Complaint narrative:
So XXXX XXXX  closed my account without me knowing and when I tried calling to remedy the situation and pay off my debt they declined my payment and said there wasn't anything they would do to help prevent anything from leaving a negative mark on my credit report instead of trying to help me they opted to sale my debt to a debt collection agency TrueAccord and when I asked for debt validation they disregarded my request and then they became more aggressive when I mentioned that trying to collect on a unvalidated debt is null and void so I gave them 30 days to provide validation which never happened and when I gave them final notice I expressed my concern about me feeling like my rights was being violated and I also mentioned that all communications would be recorded for my personal records then soon after they were basically trying to mock and entagonize me I don't usually name any names but I am going to say that the worker from TrueAccord who's name is XXXX XXXX is the one who was trying g to mock and bully me into paying the institution a astounding {$590.00} which I'm not paying to a institution that finds humor in making fun of people and then trying to charge them almost {$600.00} this institution has caused me serious mental issues and defamation of my character and is considered not only rude but very disrespectful and I will not ever do business with this company ever as long as I live and I promise also I will expose the unfair and emotional and personal abuse I've experienced from this company to everyone I can because this is wrong and unmoral and unethical personally and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: Self Financial Inc.
State: MD

Complaint narrative:
I called Self Financial, Inc about an account ending in # XXXX showing up on my credit report with XXXX, XXXX and XXXX. Self Financial told me that they dont have no knowledge of this account. This account is showing up as 30 days late for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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: DISCOVER BANK
State: CO

Complaint narrative:
On XX/XX/year>, I reached out to discover card company inquired to block specific merchant ( XXXX XXXX XXXX XXXX  ) from charge on credit card. However, the charge still on through on XX/XX/year>. 

Last 4 digits of credit card XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-17 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:
I requested a copy of my credit report I notice there has been a fraudulent credit card for XXXX XXXX XXXX To know me is to know I have great credit payment history. My score is great as well there is this one account that isnt a good look if I wanted to purchase a home I need it 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