vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2024-01-30 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: FL

Complaint narrative:
15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under 15, US Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer report an agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federal protected consumer. As a consumer, I am demanding the deletion of the accounts listed immediately! 

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  These items are Illegally being reported on my credit report and i need them removed

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, found a credit card for XXXX XXXX issued by XXXX on my Experian credit report that I did not apply for or authorize. Clearly, there is identity theft. That card was issued in XX/XX/XXXX and closed by XXXX in XX/XX/XXXX. I submitted my complaint to XXXX in early XX/XX/XXXX, including a police report from the XXXX XXXX Police Department, to have the credit card removed from credit report. After numerous attempts with XXXX via mail, email, and phone to find out the status my complaint throughout XX/XX/XXXX and XX/XX/XXXX, I still don't know the status of my complaint at XXXX. I want that credit card removed from my credit report because it is lowering my credit score because whoever opened it was late on XXXX payments. I am never late on any of my credit cards in my 32 years of credit history. I want my credit score restored.

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank credit card as today Send me statments in XXXX. 
I have paid both credit cards I full. For my surprise they send a new charges for XXXX with the insterest charges from the previous balante that was paid in full according with their bank statement send to me. 

XXXX XXXX : Due date of XX/XX/XXXX of {$7600.00} Paid on XX/XX/XXXX in total. 
Interested on XX/XX/XXXX {$100.00}

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 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am writing to formally express my profound disappointment and frustration with the XXXX  level of customer service I received on XXXX This experience not only reflects a glaring incompetence in addressing customer issues but also a complete disregard for the value of a customer 's time and trust in your banking services. 

The issue began with a simple task : setting up a username and password for my online banking account. At step two, " Enter your card info '', I encountered a persistent error despite entering the correct information. Expecting a quick resolution, I contacted your customer service. What followed was a staggering 36-minute ordeal, characterized by gross inefficiency and a baffling lack of communication within your team. 

During this period, I was transferred to FIVE different representatives, yet my issue remained unresolved. The necessity to repeat my issue each time due to the previous representative 's failure to relay my situation is unacceptable and reflects a serious breakdown in internal communication. This not only wasted my time but also exacerbated my frustration. 

Further compounding the issue was the repeated denial of my request to speak with a supervisor. Instead, I was met with incessant demands to restate my issue, followed by transfers to various departments, none of which were equipped to resolve my problem. This runaround is not only inefficient but also demonstrates a shocking lack of responsibility and accountability within your customer service team. 

The inability to execute such fundamental tasks without causing customer distress is alarming and raises serious concerns about the overall quality of your banking 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 explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IN

Complaint narrative:
Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with TransUnion on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to this matter.

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 2024-01-30 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 XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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 2024-01-30 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 XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We refinanced a mortgage with Freedom mortgage and set up an escrow account for taxes and insurance. We provided them proof of insurance as a closing stipulation and had the lender mortgagee clause added to our policy. Last year we received a notice that they didnt have record of our hazard insurance and they would be purchasing their own hazard insurance on our behalf. I tried calling multiple times and either the number didnt work or when I left my call back number, I would never receive a call back. Everything felt like a scam so I called Freedom mortgage, not the insurance department number that was on the notice, and they told me that it was likely a scam. Just to be sure, I uploaded a copy of our insurance to the portal for Freedom mortgage. I didnt think anything about it again until I just got another notice. I called the number and this time I was able to get through. They let me know that they charged me {$1700.00} last year for this scam hazard insurance policy and have already billed me again on the XXXX of this month. I just found out that my wife went ahead and paid the premium with our real insurance provider because she didnt know insurance was escrowed. All of this is a scam! Freedom mortgage was provided all of my hazard insurance information when I closed on my mortgage and moreover, I uploaded my policy in my loan portal. I want to file a formal complaint

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 2024-01-30 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: SC

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Paypal credit - Payment made on account to pay balance in full on XXXX  .... Company was holding payment and did not allow it to clear to update balance... The funds cleared my bank on XXXX XXXX Stated to me in chat that I was over the limit ( even though I paid balance in full ) and you look online it showed available balance of XXXX dollars. Stated that it would be XXXX XXXX  before funds would be applied to the account. Even though they cleared my bank on XX/XX/XXXX ..... I asked them to closed the account no less than XXXX time and they disconnected the chat and left the account open...

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 2024-01-30 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: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : Upon inspecting my credit report, I have ascertained that there are multiple credit inquiries that I deem unauthorized and possibly fraudulent. Specifics of the inquiry in question are as follows : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX I affirm that I have neither granted permission nor acquiesced to allow the aforementioned entities to peruse or evaluate my credit information. Furthermore, no consent was imparted on my behalf for Transunion to compile such inquiries into my credit history. These practices appear to contravene Section 1681b ( c ) of the Credit Reporting Act and encroach upon my statutory privacy entitlements. 

In compliance with the requirements engendered by this situation, I request verification of this data from the above-listed entities and insist upon receipt of all pertinent documents substantiating these inquiries, inclusive of those containing my signed approval if existent. 

Moreover, I mandate that Transunion present tangible evidence of a contractual agreement between myself as a consumer and Transunion that establishes explicit consent for Transunion to disseminate any personal information thus related. This document must bear my signature as proof of consent. 

Should such validating documents be unobtainable or nonexistent, I hereby demand immediate expungement of these questionable inquiries from the credit file linked to my Social Security number. 

Please be apprised that under Section 611 of the Fair Credit Reporting Act, there exists a statutory obligation for your entity to procure the requested agreements and execute an investigation forthwith. 

I anticipate your prompt attention and resolution to this issue. 

Yours faithfully, 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 2024-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I was involved in a romance scam that BOA allowed monies to be deposited in my account and that money was transferred out to the scammer and then my account was charged $ XXXX and now I've received a XXXX 1099 C that I owe a write off for $ XXXX. 

When this happened I went to the police because BOA said that was needed. My account was cleaned out XXXX I had in there plus the amount they added of XXXX. 

I tried contacting Bank of America and asking but they don't respond other than trying to do collections. Bank of America didn't help 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 explanation
Consumer complaint received 2024-01-30 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: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit on a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: NJ

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 explanation
Consumer complaint received 2024-01-30 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: FL

Complaint narrative:
See the attached documents.

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Signed up and approved for Chase XXXX XXXX XXXX XXXX card on XX/XX/XXXX. For a cost of {$99.00} USD, ( charged to me on XX/XX/XXXX ), Chase promotional offer was XXXX XXXX points with a requirement that I spend {$3000.00} within the 3 months. 
Attachment provided ). I have called 3 times and emailed once but have not had a resolution. My last call was on Sunday, XXXX XXXX. Last rejection email was dated XX/XX/XXXX. Attachment included

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and saw accounts and inquiries reporting that I do not recognize and or authorize to be made

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