vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account Names and Numbers : XXXX XXXX ACCT # XXXX, XXXX XXXX  MARYLAND ACCT # 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 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
Fifth Third Bank ( " 53 '' ) purchased my refinanced mortgage in XXXX. As part of my refinance, I agreed to a mortgage payment of {$2300.00}, which was to include my mortgage payment, taxes and homeowner 's insurance. 53 negligently failed to pay my homeowners premiums and my policy was canceled. Despite having been a customer for over 30 years, XXXX XXXX XXXX declined to renew my policy based on a " non-payment '' history. After negotiations, 53 retroactively paid the homeowner 's insurance premiums from XX/XX/XXXX to XX/XX/XXXX. Despite its negligence, 53 asked me to obtain another homeowner 's insurance policy, which I was able to obtain from XXXX XXXX, although the premiums were higher than I was paying through my escrow account. XXXX then contacted me and I was told that 53 had, yet again, failed to pay the homeowner 's insurance premiums, even though XXXX had contacted them multiple time and requested payment through my escrow account. Now, 53 has told me that my house payment will increase over {$300.00} per month to cover the cost of the insurance they purchased at almost double what I was paying previously through my escrow account. 53 also informed me that " that coverage we purchased is limited and may not adequately protect your interest. '' During this over two-year period, I have made numerous phone calls to 53 and written them numerous letters. When I refinanced my home, I agreed to the payment amount, to include taxes and insurance, because that is what I could afford. As a result of 53 's negligence and fraud, I informed 53 that I was going to continue to pay my mortgage payment of {$2300.00}, which is what I agreed to and contracted for, and requested that no late charges or other fees be applied to my account. Now, 53 is sending me threatening letters suggesting that I may be in jeopardy of losing my home if I do not pay the late fees and significantly increased house payment due to the outrageously expensive insurance it purchased.

By paying a years ' homeowner 's premiums retroactively, 53 admitted to its negligence of not having paid those premiums during that prior year through my escrow account. Although 53 destroyed my relationship with my long-standing insurance company and through no fault of my own that the policy was cancelled, I obtained another policy in its place. AGAIN, 53 ignored XXXX ' requests for payment of the premiums and that policy too was cancelled. All this occurred when I had homeowner 's insurance at a price I could afford and with adequate coverage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: TX

Complaint narrative:
I told the Experian, XXXX, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX  XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/2023 case number : XXXX. There is only a XXXX  XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.

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 2023-12-11 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: NV

Complaint narrative:
I have diligently contacted Experian on dates between XXXX and XXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. XXXX has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.

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 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: PA

Complaint narrative:
I was notified XX/XX/2023 that DIVERSIFIED ADJUSTME {$100.00} Was placed on my report, I have not received anything in regards to this collection. This is a fraudulent account please remove off of my report. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NV

Complaint narrative:
I have diligently contacted Equifax on dates between XXXX and XXXX via certified mail ( enclosed are copies of the receipts ) and have made numerous calls to their customer service department. Despite my persistent efforts, the inaccuracies on my credit report have not been corrected, causing severe financial consequences for me. These inaccuracies include incorrect reporting data along with accounts that are not mine. Equifax has continued to verify these accounts as correct and have failed to provide in accordance with the law the request verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
XXXX have 23 credit inquires never made and refuse to remove them after i disputed them and there are accounts they tried to take money out of my bank 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 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am writing to express my deep dissatisfaction with Citibanks handling of my Costco credit card account. I recently experienced an unexpected and unfair account closure with resulting in the loss of my hard-earned {$150.00} in rewards.

The circumstances leading to the closure were as follows : my daughter, who is away at college, needed access to the Costco card for grocery purchases. In response, my wife and I decided to add her as a second cardholder and, without any prior warning, Citibank unilaterally closed my account. The closure was executed without notifying me, I didn't receive the warning, and it came as a shock to learn that my {$150.00} reward had been forfeited.

Upon contacting Citibanks customer service, I was informed about a fine print clause that apparently allowed them to take such actions. However, it is unreasonable to expect customers to meticulously scrutinize the fine print during a brief enrollment process, especially when opening an account at a busy location like Costco.

I believe that this practice is inherently unfair, as it not only resulted in the closure of my account but also led to the loss of rewards that I had rightfully earned through my Costco purchases. I urge the FDIC to investigate and address this matter, as it represents a breach of trust and transparency between Citibank and its customers. 

I appreciate your attention to this issue and look forward to a fair resolution, I want them to issue back the reward in the amount of {$150.00} that I already earned.

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 2023-12-11 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: NY

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 2023-12-11 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The company listed below appeared on my credit history due fraudulent credit card application being submitted using my name. 3. Company : SYNCBJC PENNEY PLCC My Actions : I've called the number, ( XXXX XXXX ), associated with this company on my XXXX credit report and have also reached out XXXX XXXX as well. I asked the lender to close the application/card to be closed and to have the inquiry removed. I also asked XXXX to also remove the inquiry. They told me report fraud through the FTC and I have done so for the second time. 

Outcome : I will need documentation from Synchrony Bank stating this inquiry doesn't belong to me so I can move forward with XXXX because the inquiry remains on my credit report. The last time I submitted a CFPB complaint, I was sent a PDF document relating to another person and I have attached that as well.

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 2023-12-11 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: DISCOVER BANK
State: NC

Complaint narrative:
I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( XXXX ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 
ANOTHER METHOD PEOPLE DO IS JUST FILE AN FTC REPORT WITH ALL THE ACCOUNTS LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: NC

Complaint narrative:
Under the XXXX XXXX ( XXXX ), specifically XXXX XXXX. XXXX, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and Equifax, XXXX allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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:
Under the XXXX XXXX ( XXXX ), specifically XXXX XXXX. XXXX, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, XXXX, and XXXX, XXXX allowed by law. 

In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. 

As a diligent consumer, I am concerned about the privacy and security of my personal information as your company is questionable as it pertains to the legality of the lending as there have been an abundance of fraud reports. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

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 2023-12-11 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: IL

Complaint narrative:
I am requesting that it will be removed from my credit report 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 2023-12-11 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: GA

Complaint narrative:
Equifax is showing inquiries on my report that are not minds and i did apply with those companys i talked to them about removeing them they keep saying they have to investigate it and its hurting my credit score i need the inquiries removed asap. 

thanks please help me with getting this ressovled inquirys are : 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 2023-12-11 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:
EXPERIAN IS VIOLATING MY FCRA RIGHTS FOR ALLOWING THIS ACCOUNT TO CONTINUE REPORTING ON MY CREDIT REPORT. " ACHIEVE PERSONAL LOANS ''. THIS ACCOUNT HAS BEEN CHANGED MULTIPLE TIMES, DUE TO MULTIPLE REPORTING ERRORS. THE FCRA CLEARLY MENTIONS ALL INCORRECT ACCOUNTS BEING REPORTED MUST BE REMOVED. THIS ACCOUNT IS BEING REPORTED INCORRECTLY AND MUST BE REMOVED. EXPERIAN CHANGED THE INFORMATION MULTIPLE TIMES AND IT IS STILL NOT CORRECT.

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 2023-12-11 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: DISCOVER BANK
State: NC

Complaint narrative:
Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, and XXXX, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Between XX/XX/2023 XX/XX/2023 money has been taken from my checking account fraudulently via on-line orders with my debit card for TD Bank. Many many dates, times, amounts, places, in the XXXX and other countries. The XXXX has labeled bank statements for every fraudulent transactions as well as denial letters from TD bank to return my money the XXXX also has copies of XXXX data breachs resulting in the release of all my personal information, XXXX breach happened XX/XX/2023 and the other taking place in XX/XX/2023, i was informed by letter from both companies in the month of XX/XX/2023. Whom ever is responsible also depleted my XXXX XXXX SSDI payment for the month of XX/XX/2023. As far as TD bank I sat in the branch for XXXX hours multiple times with concrete evidence that I was not responsible for debit transactions, example XX/XX/XXXX I was in XXXX XXXX XXXX XXXX Rhode Island XXXX while my card was being used in XXXX Georgia for XXXX new phone, restaurants, and shopping. I brought the hospital paperwork along with my bank statement for that date into the XXXX RI XXXX, I was called a liar by XXXX Banks XXXX XXXX, and once again I was denied my money back, Approximately XXXX dollars in total has been stolen from my account. Each complaint I filed was denied replacement of my money, XXXX complaints denied 3 times. I received a text message on XX/XX/XXXX from TD bank XXXX department asking me if I was paying for food at XXXX, I responded NO. My phone rang immediately, it was TD bank XXXX department the man on the phone again asked if I was making a purchase at XXXX restaurant, I replied again NO, at that time I informed him I was home, and I asked where XXXX was, he responded Georgia ... ... I was home in XXXX XXXX Rhode Island, that charge was STILL removed from my account.

Company response to consumer: Closed with explanation