vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, Citi advertised XXXX complimentary annual XXXX memberships as a benefit of the XXXX relationship tier. I requested the XXXX memberships in XXXX, yet only received XXXX. Upon follow up with Citi in XXXX, they informed me that the XXXX benefits had changed and they could only provide me with XXXX membership. They also could not confirm which email address the other membership was sent to in XXXX. The terms of the offer at the time are still available here : https : XXXX : //citigold.citi.com/experiences/lifestyle.html At the same time, I was told that I could transfer in $ XXXX into a Citi Self Invest account to remain in the Citigold tier and receive a promotional {$1000.00} cash bonus. In following up on the XXXX membership issue, I was also told that I XXXX be ineligible for the cash bonus as well because the XXXX XXXX accounts do not qualify. I have written documentation from Citi that states that the Citi XXXX XXXX account would qualify under an exception they would add to my account. 

This is fraudulent advertising of the XXXX relationship tier and of their cash promotion to transfer in new-to-Citi funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
Please read my complaint thoroughly. I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my XXXX XXXX being low with all these wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: NM

Complaint narrative:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX  - CARD SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Date : XX/XX/XXXX To Whom It May Concern, I am writing to request the removal of certain closed accounts from my credit report. Below are the details of the accounts and the actions taken : Account Details : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Account Was Closed : XX/XX/XXXX Issue Description : On XX/XX/XXXX, I reviewed my credit report and noticed that XXXX XXXX XXXX XXXX XXXX are still being reported. The account was closed on XX/XX/XXXX, and I believe it should no longer appear on my credit report, as it is no longer active. 

Actions Taken : Contact with Company : On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX XXXX via phone to confirm the status of the account and its closure. I spoke with XXXX who confirmed that the account was indeed closed on XX/XX/XXXX. 

Follow-Up : I also followed up with a call to XXXX and file a dispute on Equifax, XXXX, and XXXX. 

Current Status : As of XX/XX/XXXX, the closed account still appears on my credit report. 

Desired Resolution : I request that XXXX XXXX XXXX XXXX XXXX remove the closed account from my credit report as it no longer reflects my current financial situation. I believe this will help accurately represent my creditworthiness. 

Please let me know if any additional information or documentation is needed to process this request. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> I went to use my XXXX XXXX XXXX Card credit card at XXXX Department XXXX but the sale was declined. The XXXX clerk tried pulling up my account using my address and also my phone number associated with my account. Nothing she tried worked. While there in the store I called the phone number on the back of my credit card and spoke with the fraud department. After verifying who I was, I was told that I had cancelled my card weeks earlier. I told the fraud XXXX that I hadn't cancelled my card! The fraud XXXX proceeded to tell me my new card had been sent to an authorized user on my account in another state. I told him that I was the only XXXX authorized to use my account and card and hadn't authorized anything like that. I immediately ask him if anything had been charged on the card and he said NO. I told him that seemed odd that someone would go to all that trouble and not use the card. He cancelled the card and sent me out a new card. A few days later while balancing my bank statements I saw were {$1500.00} was drawn and paid to XXXX. I contacted XXXX and told them that the charges made on my account were fraudulent and not made by me. I never understood why the fraud XXXX I spoke with on XX/XX/year> didn't make me aware of that illegal use on my card. Synchrony was reimbursed this {$1500.00} back in XXXX and told me I had to wait XXXX days for my check for {$1500.00}. They would not ACH back to the account that it was drafted from. I have called on XX/XX/year>, XX/XX/year>, XX/XX/year> and again today inquiring about my check. I have had XXXX new cards issued out to me on this same account since XXXX. The last card came in at my XXXX XXXX XXXX XXXX on Monday XX/XX/year> and I activated it on the same afternoon. I went to use this card today for the first time and it was denied. When I spoke to the XXXX XXXX today I was told that there was a charge on XX/XX/year> for {$10.00} and then another that was declined for {$1000.00} and also {$7000.00}. I ask how is that possible?? I didn't even get the card or activate it until the next day which was XX/XX/year>. Each time I call in, my address, email address or something has been changed without my permission. It happened twice today!! I have told them, someone within there organization must be getting this info and changing it. Every time I call XXXX Synchrony, they swear that everything is locked down and can't be changed but it still happens! Also, the fraudulent address that was used with the fraud is showing up on my credit report now as a good address for me. This bad address is associated with XXXX and only can be removed from my credit report by request from XXXX which isn't fair to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts opened at XXXX XXXX  on XXXX XXXX under the account number XXXX, XXXX XXXX opened on XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX, and XXXX collections account opened at XXXX XXXX XXXX with a balance of {$9500.00} under the account XXXX and XXXX with a balance of {$690.00} under the account XXXX. Also 4 inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

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

I demand the late payment reported in those account to be removed.

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

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

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX Pl XXXX, SC XXXX Subject : Dispute of Debt and Request for Validation XXXX Dear XXXX Funding, I am writing to formally dispute the debt referenced in your communication dated XX/XX/year> I do not recognize this debt, and I believe there is an error. 

It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with XXXX FUNDING, or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within 30 days : 1. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements.

2. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt.

3. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 

Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 

Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
ON XX/XX/24, a payment using XXXX XXXX XXXX  Account XXXX was sent online in the amount of {$1400.00}. XXXX reported posted on XX/XX/24. On XX/XX/24, a letter was sent through mobile application " document center '' ( not email or mail ) stating that the amount was " returned by your bank for Unable to locate external account. '' I called Barclay 's and asked them why this was returned, given this account has been used for other payments and is valid. The operator, with language difficulties, told me to " contact my bank. '' I asked them to verify my bank account matches what was put into their system and used in the past, and they refused. I manually provided the same bank account number back to them, and asked if they can address the $ XXXX {$49.00} unjust penalty that would be assessed from wrong number. They told me " the charge is valid and to contact my bank. '' When I asked to speak to a XXXX involving escalating complaints, I was put on mute and hung up on. 

I then contacted XXXX XXXX who reported on XX/XX/24 an attempted withdrawal was made from my account for {$1400.00} but missing one " zero '' in the bank account number. Barclay 's refuses to take any accountability for this clerical error on their end ; being that the same XXXX account has been used in a number of transactions with three other Barclay credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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