vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 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: OR

Complaint narrative:
Incorrect information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: OR

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
BOA card services is holding a substantial amount of my money since XX/XX/year> I have had no access to it coming up on 3 months. 
I received notice that my account would be closed on or around XX/XX/year>. 
I attempted to have the money transferred to another BOA account, the safest option considering the substantial amount, however the maximum amount I could transfer weekly was small. 
They refused to lift the weekly withdrawal/ transfer limit even with them closing the account, making it impossible to transfer my money in its entirety. This is DESPITE the fact that both accounts were at BOA. 
The ONLY other option was to have a check sent through regular mail. 
I offered multiple times to pay for certified mail considering the amount in addition to having mail delivery issues. They refused. 
Consequently, the check was sent out and I never received it. 
Card services refused to cancel and reissue the check until a full 15 business days had passed Then it was cancelled and reissued That was XX/XX/year> and 15 business days later, still no check! 
I was told though the reissue check request was SUBMITTED, there is no record of it actually going out to me and the check issue department was back logged. 
After repeated calls, the only solution they have is to again cancel the check and have another reissued which made no sense as it does not appear to have even been sent out and to cancel would put me at the back of the line again. 
No one seemed able to contact those who issue the check to see IF or WHEN it was issued. 

I sent 2 emails to XXXX XXXX President of Retail Banking for potential help and was ignored, no response to either one. 
Their executive team directed me right back to customer service, where for a THIRD time, they cancelled the check and SUBMITTED a request for another one to be sent out with ANOTHER 15 business day wait. 

I am left unable to invest my money, losing interest on the money and no peace of mind over the loss off access to my money.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-21 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : Navy Federal CU Account # XXXX, XXXX and XXXX Navy Federal CU has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I added my child as an addon user to my Citibank DoubleCash credit card to help build credit history. I was asked to sign and send a form SSA-89 which I signed and sent back as the father of my minor child. However I got a letter in the mail after a couple of months from Citi saying that they were unable to get the SSN verified and that I should contact them. I contacted Citi over phone and the representative had no information about the case. She told me that I would be contacted by Citi but that turned out be a false promise since no one from Citi ever contacted me to get my issue fixed.

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 2024-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter in a XXXX format via Synchrony Banks secure message service informing me that they were closing my Sams Club credit account supposedly for the following reasons : Lack Of Real Estate Secured Loan Information Balances On Accounts Too High Compared To Credit Limits And Loan Amounts Too Few Accounts Paid As Agreed Balances On Bankcards Are Too High Compared With Credit Limits However, none of those things were relevant to me at the time. One of the specifics they cited in the letter was a credit score of XXXX on XX/XX/year>. That is not true at all according to the data from any of the three major credit bureaus. I called Synchrony credit services and tried to clarify the fact that their information was incorrect. However, the only thing they would keep repeating is that if any of the credit report data was wrong, I had to contact the credit bureau directly. 

I repeatedly tried to explain to the representative of Synchrony Bank that the data they used did not belong to me and that my credit reports were all accurate. They were extremely unhelpful and have left me no path but to reach out to the CFPB. The fact of the matter is that without exception, I have always paid off the Sams Club credit in full every month, sometimes weeks before the due date. I feel targeted for being what the credit industry calls a deadbeat, someone who pays of their account in full.

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 2024-06-21 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: NE

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Through the physical verification of the original signed consumer any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX CARD ACCOUNT XXXX In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. 
Under feral law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days or the completion of your re-investigation. 
Thank you, 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 2024-06-21 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: MD

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-21 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an accounts that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigation and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be update to on time as they should be as i was NEVER late. Thanks.

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 2024-06-21 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous details that needs to be investigated and corrected : 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 explanation
Consumer complaint received 2024-06-21 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX XXXX Account # XXXX, XXXX and XXXX XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
Equifax and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, Equifax and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to Equifax, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). Equifax and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The repoed my car after denying payment online. It is charge off on my credit report. By LAW they are supposed to send me a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting payments. They also were double dipping with Payment Coupons to members of their bank. They are a shady XXXX XXXX XXXX. They do not abide by Federal Laws. I have reuqested the Consumer Sentinel Network to investigate also. They have my Address wrong. They are required by Law to delete account from my credit and fix the credit score in which they illegally reported against my social Security number.

Rule 12 ( b ) ( 6 ) permitting a motion to dismiss for failure of the complaint to state a claim on which relief can be granted. 
They also broke UCC laws congruent to Consumer LAWS.

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 2024-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I took out a loan from One Main Financial, against my XXXX XXXX XXXX convertible in XX/XX/XXXX. The loan was paid off by summer of XXXX. I have been requesting the loan release letter or for the letter of release to be sent to the Illinois XXXX of XXXX for nearly 2 years. The car was in an accident, totaled out and still can not get the lien release letter. I have called, emailed and submitting a request on " contact us '' to One Main Financial. I have spoked to the XXXX XXXX ( XXXX ) at the XXXX XXXX, IL XXXX 3 times. She keeps saying that she's requested the letter to be sent to me, but it is never sent. This must end. The loan was satisfied but they are holding my asset as the XXXX holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have a XXXX XXXX credit card through Synchrony bank. I received a letter stating they were now going to charge {$1.00} for paper statements and a new promotional fee. The letter stated that if I wanted to reject the terms I could but I could not make anymore transactions. Seeing this as reasonable I called the provided number. The automated system only provided 2 options, accepting the changes or closing the account and paying the balance. Frustrated, I called the Synchrony customer service number on my statement. After 10 minutes I finally got to a representative who did not know how to reject the changes the way the original letter provided. After repeatedly asking to be transferred to someone who did know how to do it, I was transferred to a manager in the US. She did it in a couple of minutes. I am filling a complaint because Synchrony has made the process to reject the changes overly cumbersome, which will result in other consumers being forced to pay new fees that were not disclosed when promotional purchases were made. If I hadnt been persistent, the new terms would have cost me an additional {$120.00} in fees on my five year zero interest loan. Which is ridiculous.

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