vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi sent me a new card around XXXX of 2023. I was traveling so didn't receive the card. When i came back home, i didn't find the card in my mailbox and found out CITI closed my credit card account without any explanation. Ever since i contacted CITI cards multiple times to give me my cashback thankyoupoints which amount to some XXXX dollars. They always make different excuses. Once i was told by the customer agent that the check is sent but i never received it.

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 2024-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX with XXXX XXXX XXXX XXXX sent me a XXXX XXXX  Mitigation Request Form for me to defer XXXX monthly payments for my car loan due to financial hardship. I have had the car loan since XX/XX/year> and have never missed a payment until recently which the loan was 75 days past due. I was told I had to make at least XXXX payment before they could submit the XXXX XXXX XXXX XXXX to defer XXXX payments due to financial hardship. I made a payment of {$XXXX} on XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX XXXX to get a status of my request and was told it was denied due to some reason that I really didnt understand. Ive made on-time payments on this auto loan for over a year and only asked to defer XXXX or XXXX months due to the car being stolen and me being a victim of title washing. This is unfair treatment of a customer because XXXX XXXX never stated I had to meet a requirement to defer a payment. I was only told to complete the form, which I did over the phone on XX/XX/XXXX. The police case number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department.

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 2024-06-04 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: TN

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-06-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-04 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
My account ending in XXXX with XXXX should not have been closed. They claim on certain dates stop payments were made or there were insufficient funds. My bank, XXXX has confirmed that there were sufficient funds on XX/XX/XXXX for {$78.00} and {$50.00} on XX/XX/XXXX. And XXXX confirmed no payment attempts were made against my account for those dates. They wrote XXXX letters indicating the dates XXXX payments were denied. XXXX was for XXXX XXXX XXXX  on XX/XX/XXXX ( fraud ) for {$51.00} and XXXX XXXX  XXXX for {$10.00} on XX/XX/XXXX ( fraud ). These are the only XXXX times payments were stopped in regard to XXXX. Again funds were available on the dates XXXX claims to have attempted to withdraw those payments. And no stop payments were issued on those dates. My account was in good standing, and it should not have been closed. And someone should have contacted me about any payment issues before closing my account.

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 2024-06-04 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 am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 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: DISCOVER BANK
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-06-04 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: SC

Complaint narrative:
My synchrony home card I haven't used this card in over 2 years, and on XX/XX/year> I've received a letter from Synchrony Bank stating that they have decided to close my XXXX home card due to, too many revolving accounts with high balance, not enough balance paid down over time on real estate secured loans, too many inquiries, too many bankcards with high balance compared to credit limit. I have call Synchrony bank to get a reason on why they are closing this account, and the representative could not give me a reason. I reached out the CEO of the company and they say that they will look into it, I'm still waiting on action from the CEO over this matter. I have been current in making payments on this account and every account that I have with Synchrony Bank, my previous balance is XXXX, I made a payment of {$55.00} the minimum payment is {$49.00}, and my current balance is {$1300.00}. I feel that if I make my payments on-time my account shouldn't be closed, if you can please look into this matter for my I would really appreciate it, and if you need any other information, please feel free to contact me. Thank 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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The bank has a 90 day policy on disputes and I have a dispute that is approaching 150 days since the dispute date with no resolution in site. I also have XXXX other disputes that are reaching their 90 day mark here in the next week with no resolution in sight, I have continued to speak with supervisors and agents, and they keep giving me the same information That they cant be expedited even even though its been past the 90 day there is nothing that they can do so I am submitting this complaint so that hopefully they can actually get a move on it.

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 2024-06-04 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: PA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-06-04 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
I sincerely urge you to promptly take definitive actions to remove the unauthorized inquiry from my credit report without any further delay.

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 2024-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: NY

Complaint narrative:
Received a letter in the mail from debt collector for a medical bill. Called company to settle account and pay. Company wanted more money than the debt was. XXXX statement states zero fees and XXXX interest added to date. Escalated and requested to speak with supervisor, that person also unhelpful and refused to negotiate or settle the account for the actual medical bill. Phone call made XX/XX/XXXX medical debt is XXXX dollars. Debt collector is demanding XXXX. This is the only letter received in the mail. XXXX received XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I opened a joint Chase bank checking account in Kentucky, account # XXXX ( with daughter in New York ) It had unusual deposits and withdrawals causing overdrawn approximately {$10000.00}. It appeared to be an error or botched wire. Or duplicated transaction (? ). The bank informed me initially, it was an error and would be corrected within a couple of days. They would not tell me who made these transactions. Now they are asking me for the {$10000.00}. I did not withdraw this money, or ever withdraw any money from the account. It was only open from XX/XX/XXXX to XX/XX/XXXX. I only made 3 deposits in XXXX and XXXX totaling {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-06-04 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
Early in XXXX  I went to the XXXX website to see what their rates were to refinance my student loans. Beginning in XXXX I received emails inviting me to refinance and receive a {$XXXX} bonus. The requirements for this was to complete the refinance through the designated link by XX/XX/year>. I was also required to have a XXXX  bank or savings account which I already had. 

I completed my application and the loan was funded by XX/XX/year>. 

On XX/XX/year> I called XXXX to speak to a customer service representative to ensure I had completed everything needed to receive this bonus. They indicated that yes I had and the loan was successfully funded. It would just take up to 30 days to receive the bonus. 

I hadnt heard anything so I called back XX/XX/year>. I spoke to another customer service representative and explained that I hadnt seen the bonus yet. He told me that he checked my account and could see that there was a bonus when I applied but he wasnt sure what had happened to it. So he was going to open a ticket and it was ticket # XXXX. He told me I should hear back in about a week and if I hadnt then I could call back. 

On XX/XX/year> I received an email that they needed a few more days and the investigation could take up to 30 days. 

Then, on XX/XX/year> I received an email that stated that I did not actually qualify for the bonus because I didnt use a correct link. I know I used the exact link in the website and had confirmation from XXXX customer service representatives that I had completed everything appropriately. 

After further discussions with XXXX on XX/XX/year> they continue to state that they will not be giving me the {$XXXX} bonus from my XXXX XXXX XXXX that I completed correctly. I have requested that they work with me several times and they have indicated they will not be.

Company response to consumer: Closed with explanation