vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information attached is being improperly reported and to my knowledge I have no such dealings with these companies

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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have attempted to access my account details through an online portal that is sent via email/text. The portal shows limited information and does not provide a link to show full account number and details of fees/interest. Account activity shows when payment and interest is posted, but the new balance was clearly not reduced by the amount of payment plus interest shown. I attempted to get further details, specifically for unknown charges and was provided ( live chat ) additional details of {$25.00} ( interest charge ) which does not show up in activity. The only posted charges shown in activity is {$2.00} interest. Of the posted {$87.00} payment, the loan amount was only reduced by {$42.00}. This does not add up. I want my full account number so I can transfer to a bank I trust.

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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NerdWallet, Inc.
State: CO

Complaint narrative:
When I discovered that my credit card had been used without my permission I requested XXXX XXXX by XXXX out of XXXX XXXX California to investigate the matter and reissue me a card replacement card. They did credit my account in the amount of {$180.00} but all they did was make my account inactive not allowing me to order a new card or pay any bills or conduct any other transactions out of an account that is flagged as inactive. I then email them and ask them to close my account and send me a check for any remaining funds to know avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I purchased a XXXX phone directly from XXXX using their interest-free credit line serviced by an outfit called TDRCS/XXXX  Account XXXX. 

I had set up automatic payments through my bank and went on with my life. For some reason the bank stopped making auto payments as of XXXX of XXXX  and I was not aware about it until the credit company sent me a letter in XXXX of XXXX  ( why did they wait 5 months?? ) at which point I promptly went ahead and paid off the whole remaining balance of {$500.00} something dollars. 

In the meantime, this company had started killing my credit score by dropping it about XXXX points just because of XXXX missed payments of {$28.00} something dollars. I had 25 years of impeccable credit history, it is obvious that there was no ill intent on my part. What were I to gain by forfeiting XXXX payments of {$28.00}?? It doesn't make any sense. I paid the whole thing off immediately when the issue had surfaced. I contacted the company in XXXX  and wrote them letters which were scoffed at. I spoke to a manager of theirs and again my plight fell on deaf ears with the same rebuttal of " you were late and that's that ''. There was no compassion or any willingness whatsoever to assist a customer with a problem. 

I am coming back to this issue now and I want justice. I opened another dispute with XXXX, which now says it was updated but I don't see any results whatsoever. The delinquency is still on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CITIBANK, N.A.
State: TN

Complaint narrative:
[ CITIGROUP INC. ] [ Citibank , N.A . Depositary Receipt Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ] NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it may concern, IN REGARDS TO CITICARDS CBNA Account XXXX I am writing to notify you of a serious violation of my consumer rights by your institution. It has come to my attention that you have furnished my nonpublic personal information to third parties credit reporting agencies including [ XXXX, XXXX, XXXX ] without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. 

Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of {$1000.00} for each violation and adverse effects on my creditworthiness and financial standing. 

Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. Please be advised that I am prepared to pursue all available legal avenues to ensure accountability and restitution for the harm caused. 

I expect a response from your institution within 10 Business days confirming that corrective measures have been taken and providing details of any restitution offered. 

Thank you for your prompt attention to this matter. I trust that you will take the necessary steps to address this violation and prevent any future breaches of my privacy rights. 

Sincerely, 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 2024-03-24 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:
I recently reviewed my credit report and noticed somethings that is not reporting accurately. I've had late payments that were in fact paid on time. Consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investig with records showing i have late payments and provide verifiable proof. If this information can not be verified I demand these payments to be updated 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 explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay bank was paid a total of {$5000.00} in XXXX of XXXX for the XXXX XXXX  XXXX. The bank claims we only paid {$3000.00}. We have submitted documentation from our bank of the online transaction indicating the money transfer. Barclays refuses to acknowledge the payment. On XX/XX/XXXX we got a letter stating that they will credit us back the {$2000.00} and on XX/XX/XXXX we got another letter stating they will not process the reimbursement We have asked to speak to the investigator on the case and we are not allow to know the person looking into the case. The letters we get do not specify any person or details of the investigation. We are not given any information detailing their findings. We have reached out to XXXX XXXX which we used to transfer the money from and their system shows the payment but Barclays is not accepting their transaction proof. 

We have made several phone calls and faxed our back account statement showing proof of payment. We have asked several times for the case to be investigated by the fraud department but we still only get general letter denying our claim.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/2022. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/year>. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: PA

Complaint narrative:
Request for Removal of Inaccurate Late Payments from Credit Report I am writing to formally dispute and request the removal of inaccurate late payments that are currently reported on my credit file. After a thorough review of my credit report, I have identified discrepancies related to late payments that I believe are not accurate. 
The details of the late payments in question are as follows : Date of Late Payment : XX/XX/2022 Reported on : TRANSUNION I understand the importance of accurate reporting under the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute inaccurate information on my credit report, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA. 
I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments. If it is determined that the late payments are indeed inaccurate or have been reported in error, I request that you promptly remove them from my credit report, in accordance with Section 611 ( a ) ( 5 ) ( A ) of the FCRA. This section mandates the deletion of information that can not be verified as accurate during the reinvestigation process. 
I expect your timely attention to this matter, and I request that you provide me with a written response detailing the results of your investigation. If the late payments are indeed inaccurate, I request an updated copy of my credit report reflecting the corrections. 
Thank you for your prompt assistance in resolving this dispute and ensuring the accuracy of my credit report. 
Sincerely,

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 2024-03-24 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I received my early warning report and XXXX XXXX XXXX has violated my privacy rights by reporting personal transactions to my early warning report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and Early Warning services is not a part of XXXX XXXX. I counted 44 transactions reported and that's 44 violations that I ' am seeking damages. My account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I received my XXXX XXXX  report and Citizens bank has violated my privacy rights by reporting personal transactions to my XXXX XXXX report. My checking agreement states that they would not sell are give my information to any 3rd party affiliates and XXXX XXXX XXXX is not a part of citizens bank. I counted 28 transactions reported and that's 28 violations that I ' am seeking damages. My account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: AL

Complaint narrative:
On XX/XX/year> I sent certified letters to all 3 credit bureaus demanding they remove all collections from my credit report because XXXX XXXX XXXX along with their partner company Resurgent financial are NOT LEGALLY licensed to collect debt in the state of Alabama and when requested could not provide proof of purchase nor the purchase agreement as well as not being able to provide the terms of the purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've tried to use the card. They tell me I need to visit once of their bank branches to resolve some issue they won't disclose to me. BMO doesn't have a branch in my town. I just want to cancel the card and get my yearly fee refunded since the card has not been usable for months.

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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I called XXXX, XXXX and Trans Union in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/2024 ) I went online to all three credit bureau websites ( XXXX, XXXX and Trans Union ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!

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 2024-03-24 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 called XXXX, Equifax and XXXX XXXX in XXXX of XXXX. I requested for all three of these credit bureas to remove multiple negative items, hard inquiries and collections from my credit reports. The information that I requested to be removed from my credit reports are negative items, hard inquiries, collection and debt that I did not authorize nor agree to. I do not recognize said information. This information hasn't been removed yet. Today, ( XXXX, XX/XX/year> ) I went online to all three credit bureau websites ( XXXX, Equifax and XXXX XXXX ) and submitted disputes against all the incorrectly reported information. In accordance to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 AND the ( Consumer Financial Protection Bureau ), this incorrect information has to be removed from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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:
I recently reviewed my credit report and noticed somethings that is not reporting accurately. I've had late payments that were in fact paid on time. Consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investig with records showing i have late payments and provide verifiable proof. If this information can not be verified I demand these payments to be updated 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 2024-03-24 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:
Experian deleted inaccurate account from my consumer report and I want it to be deleted from XXXX and XXXX immediately

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 2024-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
XX/XX/XXXX Signed month to month lease with XXXX XXXX, at the time owned by XXXX XXXX XXXX, for car parking space. This included payment of security deposit. 
XX/XX/XXXX Provided notice of intent to vacate in 30 days via online portal, as required by leasing agreement. 
XX/XX/XXXX Paid prorated months amount for portion of rent due through XX/XX/XXXX through online portal, as indicated by XXXX XXXX  at XXXX XXXX ( XXXX XXXX ). For this payment, new portal was used due to XXXX having purchased the property at some point during our lease. 
XX/XX/XXXX Vacated, returned key fob to XXXX XXXX, XXXX property management staff, in person at XXXX XXXX. XXXX confirmed security deposit of {$100.00} would be refunded via check by mail. This payment has not yet been received. 
XX/XX/XXXX Received move out statement from XXXX with incorrect balance of {$42.00} claimed. No detail was provided as to what the {$42.00} was in relation to. 
XX/XX/XXXX Contacted XXXX XXXX via e-mail, detailing all payment charges and history, indicating that {$100.00} was owed to me and that the {$42.00} claimed as due to them was incorrect. 
XX/XX/XXXX Received e-mail from XXXX XXXX confirming that all money claimed as owed to them was an error, that the debt would be cleared, and I would still receive check for {$100.00} deposit still owned to me ( attached ). Received no further bills. {$100.00} security deposit has still not been returned. 
XX/XX/XXXX - Received notice of debt collection for {$42.00} from Columbia Debt Recovery/Genesis . 
XX/XX/XXXX - E-mailed Columbia Debt Recovery requesting proof of license to collect debt, registered agent, as well as detailed debt information ( attached ). Never received proof of license to collect debt or registered agent. 
XX/XX/XXXX - Received e-mail only re-stating alleged debt amount and saying it was a debt to XXXX XXXX, with no information on what the claimed debt charge was for. 
XX/XX/XXXX - E-mailed again requesting response to previous request. Provided documentation from XXXX XXXX proving that no debt was owed, that XXXX XXXX XXXX confirmed that no debt was owed, and that in fact XXXX XXXX was attempting to refund {$100.00} owed to me by XXXX XXXX. 
XX/XX/XXXX - Received automated response from Columbia Debt Recovery confirming receipt of letter. 
XX/XX/XXXX - Sent a follow-up letter to Columbia Debt Recovery requesting reply within 5 days due to previous non-response. 
XX/XX/XXXX - Received automatic reply from Columbia Debt Recovery confirming receipt of letter received. No further response has been received to this date and we still have not received {$100.00} deposit refund owed to me.

Company response to consumer: Closed with explanation