vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding their failure to honor a debt settlement agreement reached on XX/XX/year>. The details of the agreement, subsequent refusal to accept payment, and lack of transparency regarding the status of limitations are outlined below. 

On XX/XX/year>, I contacted Citibank to address a past due account with a balance of {$7300.00}. During this conversation, a Citibank representative informed me that they were willing to settle the balance for {$2500.00}. They explicitly stated that this offer was valid until the end of the month, implying that I had until XX/XX/year>, to accept the offer and make payment arrangements. 

With the understanding that I had until the end of XXXX to finalize the agreement, I called Citibank on XX/XX/year>, to arrange payment. However, to my surprise, I was informed that on XX/XX/year>, the account had " reached a status of limitations, '' and Citibank was no longer collecting the debt. Despite my attempts to clarify this sudden change in status and request an explanation in writing, Citibank has refused to provide any documentation or further details regarding the " status of limitations. '' This abrupt refusal to accept payment and lack of transparency are unacceptable. Citibank 's actions constitute a breach of our agreement and have left me in a state of financial uncertainty. I expect Citibank to either honor the original settlement offer or remove the debt from my credit reports promptly. By preventing me from clearing the balance, Citibank is unfairly impacting my creditworthiness and financial well-being. 

Therefore, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Citibank fulfills its obligations. I also request that Citibank provide a written explanation of the " status of limitations '' and its implications for 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 non-monetary relief
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX, XXXX account # - XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX, XXXX account # - XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: MD

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
Ive contacted these companies multiple times trying to dispute these accounts. Im a victim of identity theft so these accounts are not mines. 

Accounts : XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX  {$810.00} XX/XX/XXXX THESE ACCOUNTS THAT WAS FRAUDULENTLY OPENED IS CAUSING ME TO NOT RECEIVE HOUSING FOR MY DAUGHTER & I. IM A SINGLE PARENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: GA

Complaint narrative:
Ive contacted these companies multiple times trying to dispute these accounts. Im a victim of identity theft so these accounts are not mines. 

Accounts : XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX {$810.00} XX/XX/XXXX THESE ACCOUNTS THAT WAS FRAUDULENTLY OPENED IS CAUSING ME TO NOT RECEIVE HOUSING FOR MY DAUGHTER & I. IM A SINGLE PARENT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I made several attempts to get access to my Transunion Credit report via : annualcreditreport.com however I continue to get a message stating : " Unable to Complete Your Request Online Unfortunately, your request can not be fulfilled online at this time. 

Please request your report using one of the other options below. 

When I accessed the options below : " Request by Mail To request your free Annual credit report by mail download the request form Download Form opens in a new tab Request by Phone To request your free Annual credit report by phone, please call ( XXXX ) XXXX Call ( XXXX ) XXXX I still dont receive my Transunion Report. Ive called and sent a letter & still have not gained access to my report. When I called I was told it was in the mail. That was 3 months ago. 

Ive attached ID verification which includes my bank statement and a redacted social security card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I got divorced and changed my name. I sent in the divorce decree name change social security card and ID to experian but they refuse to update my name. I've sent them the documents several times and they either say they didn't get them or they need more. They also said they could see both of my names and they need to be combined into one account but won't do so and just keep asking for the same documentation I've already sent in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX - account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
When we learned that the payee never received the bill paycheck, we first contacted the back on XX/XX/XXXX, telling them that Check No.XXXX sent by them on XX/XX/XXXX, was not received by XXXX XXXX XXXX who is the payee and were told they will investigate as we requested to credit our account for the {$400.00} the check was issued and debited to our account, but never has been cashed. We called again on XX/XX/XXXX, and we were told to call back on XX/XX/XXXX, which we did and still no response. The next calls were made on XXXX XXXX and XX/XX/XXXX, and every time we called, we got a different explanation from the customer service rep. that answer our call. 
Then on XXXX XXXX we called again and were told that they have found that the check has been cashed but couldn't tell me by whom and that they were going to mail us copy the paid check. By XXXX XXXX we called again as we haven't received the copy of the paid check, they were supposed to mail us, and this time the response was that we needed to go to the bank branch to solve this problem, so we did and spoke with the bank branch manager and another bank employee and the bank re-open the case on XX/XX/XXXX, with Case No.XXXX. XXXX XXXX XXXX XXXX is a non-profit organization that needs every penny available in order to help the community, so these {$400.00} are very much needed to be credited back to our 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 2024-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
Received email from a purported " Harris & Harris , Ltd '' indicating a debt was owed by a medical company, for a XXXX XXXX XXXX XXXX No additional information regarding the initiating service that debt was owed, or any indication prior communication was sent regarding money owed. When attempting to call and or email to dispute, no response nor indication was given in receipt or to confirm this request is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing any late payments on my credit report please correct the late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason inquiries to be removed : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: NY

Complaint narrative:
for the company to do what is fair and equitable to me as a consumer by removing any late payments on my credit report please correct the late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that there was inaccurate account ( s ) on my credit report ACCOUNT NAME : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted Equifax and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: 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.

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 explanation
Consumer complaint received 2024-04-23 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: NE

Complaint narrative:
Attached is an account that I saw on all 3 of my credit report. And the debt has {$0.00} balance and according to statue of FCRA limitations this debt has expired and is unlawful to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES WERE UNAUTHORIZED : CPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX COAF 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 

I have contacted each company and each one has refused to provided me with the information they received that gave them authorization to run my credit. I asked what identifying information did they receive from my that gave them authorization to do this. Each stated it was done online. I advised it was not me and to remove this and they all refused. Some stated I would need a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: OneMain Finance Corporation
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES WERE UNAUTHORIZED : XXXX XXXX XXXX XXXX XXXX ONEMAIN 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 

I have contacted each company and each one has refused to provided me with the information they received that gave them authorization to run my credit. I asked what identifying information did they receive from my that gave them authorization to do this. Each stated it was done online. I advised it was not me and to remove this and they all refused. Some stated I would need a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX reported an open account in my name with JM Chase Bank that I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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: NY

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 non-monetary relief
Consumer complaint received 2024-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX, I obtained a prepaid card from American Express for {$500.00}. I tried to make an XXXX purchase with the card, but XXXX rejected my purchase and took XXXX XXXX off of the card to verify the payment. I called American Express about this issue and they told me that they would have the problem resolved in XXXX hours. They called me back at XXXX ( XXXX ) XXXX and asked me to give my prepaid card information and told me not to use my card for XXXX XXXX. I followed their rules, and when I logged on to see the balance less than XXXX XXXX later on XX/XX/XXXX, The balance was XXXX XXXX. {$490.00} was purchased at XXXX, and I did not make that purchase. I filed a dispute, and American Express Rejected it saying the following : Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the dispute case referenced above. After a thorough review, we have determined the XXXX information was provided by you to complete the transactions in question. If you permit another person to have access to your XXXX or XXXX number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. 

As a result of our investigation, this dispute claim has been denied and the case has been closed. If you choose to initiate an investigation through law enforcement, we pledge our ongoing support and hope that you are able to recover your losses. We place a great deal of importance on customer satisfaction and want to be sure our customers have a positive experience with our product. We regret the circumstances that led you to contact our office. 

Sincerely, XXXX Dispute Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-23 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:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation