vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This will be my 10th times trying to remove the fraudulent inquiries w/ Equifax XXXX i did send FTC and yet they invalidate it. I am clueless as to how should i remove it. I know my right as per FCRA. So i am making this CFPB report to further reinforce the deletion of the following fraudulent inquires from Equifax credit report with their corresponding inquiry dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: NJ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: CA

Complaint narrative:
I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : 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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2024 Ive contacted American Express to cancel my account that was open because I was requested to return to service XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/XXXX, I booked a prepaid hotel reservation through Chase XXXX for the XXXX XXXX XXXX, NC. The stay was prepaid and charged to my card ending in XXXX by Chase XXXX on XX/XX/XXXX for {$310.00}. The booking confirmation shows total cost of stay was charged at time of booking. 

On XX/XX/XXXX, the hotel mistakenly charged my card for the full cost of the stay. On XX/XX/XXXX, I contacted the hotel and was told that they made a mistake and should not have charged my card. The XXXX said that the charge would be corrected. I also spoke with Chase XXXX on XX/XX/XXXX and XXXX, who reaffirmed the same facts. 

On XX/XX/XXXX, I received a second call from the hotel saying that they were still working on it, and I should expect to hear from the XXXX with a resolution on XX/XX/XXXX. I received no further contact from the hotel. 

I called Chase on XX/XX/XXXX and indicated that I would like to dispute the charge from XX/XX/XXXX from XXXX Hotels for XXXX. I was transferred repeatedly after lengthy holds. The first representative from the disputes department refused to open the dispute because " you have to wait 15 days. '' A supervisor then agreed that I should be allowed to dispute the charge but could not do so herself. She transferred me back to the disputes department for a second time. The next representative told me that " because the charge was made with the card present, it can not be disputed. '' I explained that they had my card on file for any incidentals, and I did not authorize an additional room charge. She also refused to connect me with a supervisor. 

I would like Chase to open this dispute on my behalf. I would also like Chase to investigate why multiple representatives from its disputes department provided false information and refused to open a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-12 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-12 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-04-12 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:
I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. XXXX  XXXX XXXX : XXXX  Reference Number : XXXX In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my 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 2024-04-12 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-04-12 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I been in communication with Equifax since XX/XX/24 trying to resolve issues they are reporting. I received a letter stating they did not receive my identity verification I included with my dispute I've turned this information in several times. I contacted Equifax once again today XX/XX/24 the first time the agent left me on hold for XXXX minutes and transferred me to a survey to end the call. The second call resulting in me speaking with a agents who said she do see the identification and don't know why I received the letter saying they did not have it this is stressful and depressing I have been in constant communication and I receive different answers every time. today I was told it would be 30 days before I hear back this is unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank flatlined both of my credit cards after a late payment of XXXX days on XXXX of the cards on XX/XX/XXXX. XXXX credit card has never been late. My credit was very good to excellent until Citibank took these drastic measures which I feel are consumer abuse. Citibank states me that their decision was based in part on information from XXXX, which I find hard to believe after only XXXX days late, also there is no derogatory information in my credit report. 
What Citibnk did was make my existing balance on the card my new credit limit, becuase I was XXXX days late on the credit card payment. Which means my credit usage on the card is now at 98 %, which tanks my credit score. My payment was due on XX/XX/XXXX. My mother died on XX/XX/XXXX. It was a simple oversight at a painful time in my life. 
My other Citibank credit card has never been late ( verified by a live Citibank agent ) and was not late at the time of these bad business practices that happened on XX/XX/XXXX via email. Again, my credit card limit was lowered to the existing credit card balance. Flatlined. Again, this means that I have a XXXX  % usage and tanks my credit score. I have called Citibank XXXX times and spoken with people, who listened and told me they were sorry for my loss. XXXX agent told me that she would file a complaint on my behalf and she did. I asked for the name of the President of Citibank and no one seemed to know. I was told twice during both calls to Citibank that I would receive a written letter in the mail with a formal explanation within XXXX to 10 days, which to date I have not received. The person today told me that it had not been XXXX XXXX days??? It may take me a year or years to repair my credit score. Many companies will call you and say, " you are XXXX days late on your payment, we are sure it is an oversight, may I take a payment from you now ''? that is consumer friendly. Citibank should not be allowed to ruin the credit scores of consumers through flatlining and bullying. My definition of this bad business practice is flatlining... compressing the credit limit to the existing credit balance, so that it is an interest earning only account, resulting in a ruined credit score to the consumer, creating credit hostages. Shame on you 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 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-04-12 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2024 I reported to the Randolph Brooks Federal Credit Union that a fraud on my XXXX for {$97.00} had happened. It was charged to XXXX XXXX XXXX. The company cancelled my card and issued a new credit card and said that they would investigate to return my stolen money. After 60 days I called to find out the status since I had not received a refund. I was told that the case was closed since they couldn't find the charge on my credit card statement. I mentioned this was wrong and we found the false charge and a new case was opened up XXXX. I am still waiting for my refund. I'm glad it wasn't for several XXXX dollars since something is wrong with their procedures etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: HI

Complaint narrative:
CITI, XXXX, XXXX and XXXX has reported my private information negatively and without consent. 

The Fair Credit Reporting Act 15 USC 1681 section 602 states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As the consumer, I have the right to make sure my private information is NOT shared which is supported by 15 USC 6801 which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CITI is a financial institution by definition and under title 15 USC 1681 section 604 a section 2 states that, " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CITI being the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do NOT have my consent to furnish this information and they do NOT have my written consent. Any and all consent to XXXX, XXXX, and CITI whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' CITI has not informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission and in violation of this law.

And 15 U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 

Furthermore, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Therefore, I am opting out of these reporting services.

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 2024-04-12 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: GA

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  XXXX Account Number : XXXX Account Name : 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 2024-04-12 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: GA

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  XXXX Account Number : XXXX Account Name : 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 explanation