vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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:
I previously disputed accounts with XXXX, XXXX and Trans Union because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information.

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies

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 2023-09-02 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: GA

Complaint narrative:
I previously disputed accounts with XXXX, Equifax and XXXX XXXX because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: TX

Complaint narrative:
I disputed a account on my credit report that is fraud and identity/theft XXXX  XXXX card services XXXX and I spoke to few Equifax reps and they are rude to me and hung on on me and wouldnt assist me of getting this account removed off my credit report and Im so hurt and I felt disgusting I send in the documents and my social and my ID over and over and they are not getting them via online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I contacted Ally Financial on XX/XX/XXXX once I realized getting the full payment of {$1100.00} in prior to the 30day was going to be difficult. After going through all the necessary steps with Ally, I was advised by the rep that I was approved for a deferral and my payment will be extended. I had 10 days from XX/XX/XXXX to make a payment of {$710.00} to finalize the extension. I made this payment on XXXX within the 10days. At no point was I advised that a late payment submission to the credit bureau will still be made if paid after the 30days from XX/XX/XXXX. Again, it was stated my payment was extended. If the payment still needed to be submitted prior to end month, then this should have been made clear to me at the time of the deferral call. I would have tried everything to get that {$710.00} in prior to XX/XX/XXXX. Even in the agreement document with Ally, this information is not clearly provided. My credit score has been grossly impacted negatively. Clear information regarding payment to avoid credit hit should have been apart of the deferral conversation and agreement. Advising a customer the payment is extended and still submitting a late payment to their credit report is counterintuitive. Being head of household mother of XXXX children this has a major negative impact.

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 2023-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Please refer to the attached document as supporting evidence of my claim. 
I opened a Checking account with Citizens bank back in XX/XX/ with a {$300.00} promition code. I followed all instructions and I received more than {$500.00} deposits in the first 60 days to qualify for the bonus but now the bank is not providing me the bonus and it says Each deposit needs to be {$500.00}. But as you can see in the evidence attached to this complaint that the banks promotion webpage does not say that clearly at all. The promotion says the account holder must receive " {$500.00} in the first 60 days '' and that is what I did. If the promotion page displayed this details I would have made {$500.00} deposit instead of 2 deposits of {$250.00} totaling {$500.00} every month. The bank should not mis-inform the customers just to make them create new accounts. When I tried to show the promotion details to customer support agent of the bank on call the agent surprisingly said that some third party is promoting this offer and not the Bank itself when the promotion is clearly shown on the Citizens bank website only ( please refer to attached evidence ). I should be given my account opening bonus of {$300.00} and for future customers Citizens bank must fix the details in their promotion on their website so that no other customer should be cheated like me by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: OH

Complaint narrative:
This Consumer Note is my official call for you to discontinue reporting the items below-displayed and the aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and otherwise physically verified and validated claims. Due to at least these few compliance issues in your current reporting, I demand you prove beyond doubt your claims ( s ). 
This COFF item is deficient as reported, as below-displayed in evidence of uncertified *HRCF12 questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted the Federal Trade Commission. The bureaus have not responded and the Federal Reporting Agency has not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days. 
Please delete the following account the are not accurate : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX the above accounts are not correct. I have challenged them before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: CO

Complaint narrative:
PNC assesses escrow in the middle of the year and then tacks on a " shortage '' fee if you dip below an amount they set. This review seems to come right after they pay your taxes/insurance and then they hit you with a large " shortage '' fee which they add as an escrow advance then raise your mortgage payment. 

In XXXX XXXX XXXX we asked that the insurance/taxes be removed from escrow and we would pay on our own. It was told to us that there would be a fee to remove them and we could not remove them at the same time. We then asked to have insurance removed from the escrow. We were sent a form to fill out, which we mailed to address given. ( Meanwhile we are being charged over {$50.00} more on our mortgage to cover the " shortage '' which they graciously extended over 24 months ). The form was returned undeliverable. We called and were given an email address to send it to. After months, they claim to have never received, meanwhile we continue to pay the extra shortage fee. 

We have placed multiple calls, done multiple chats and still no resolution after 10 months. We set up the insurance to be paid by us, paid in full, PNC refuses to acknowledge this even after receiving notifications from our insurance company that it was paid, sent payment again, then charged us another " shortage '' fee. 

After numerous calls and an escalation with : XXXX XXXX XXXX XXXX XXXX PNC Bank ( p ) XXXX ( f ) XXXX XXXX we are being told we are unable to remove our insurance and taxes from our escrow due to PMI. 

We have been struggling for over 10 months with no resolution, only to be told that we CAN NOT remove our insurance after being told we could, being sent jumping through hoops, being told they didn't receive our information, do this, do that, then come back with this answer. 

If they assessed the escrow at the end of the year, and not in the middle ( right after taxes are paid ) there would be a very minimal " shortage '' of the escrow, if any. Consumers are being taken advantage of by being charged " shortage '' fees in the middle of the year, when it would even itself into the green over the course of the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a student loan that is not listed correctly XXXX/DEPT OF ED XXXX is showing XXXX XXXX PAID OFF when in fact it has been forgiven by The Biden-Harris Administration . I have attached the letter from the FEDERAL STUDENT AID Office of the US Dept of Education.

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 2023-09-02 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My husband, XXXX XXXX and I closed on a HELOC from Citizens Bank XXXX XXXX ) in XX/XX/2023. We were given debit cards. The cards were brought home directly and put into our home safe. 

In XX/XX/2023 I received a text from Citizens Bank from their fraud department for four unauthorized charges. Upon calling, the charges were placed in dispute and I was not responsible. 

Citizens Bank then issued me a new debit card which I was instructed to pick up in person at the XXXX NY branch. Again, I secured both cards in my home safe. 

In XX/XX/2023 I was again notified by the Citizens Bank fraud department that my new card was compromised with two charges. Mind you that the two cards were never inserted, swiped or used in any fashion including on-line purchases. Both cards have never left my possession.

This leads me to believe that there is a breach within the Citizens Banking system. I have refused a third debit card and I have requested credit protection for one year which Citizens Bank as of this day has not responded back to me.

Citizens Bank has broken my trust as a new customer. What can I do going forward to protect my credit and or banking information? 

Any help in this matter would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX e-mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
i am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, i do not have a contract with portfolio recovery associates llc, they did not provide me with the original signed contract as requested!,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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 2023-09-02 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 explanation
Consumer complaint received 2023-09-02 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: 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 2023-09-02 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: AZ

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 2023-09-02 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: AZ

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 2023-09-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: IL

Complaint narrative:
I contacted customer service for the XXXX XXXX XXXX program yesterday to open a dispute regarding two transfers that were not made by me one of the amount of {$50.00} another and the amount of {$25.00}. I was issued a new card and told to call back when the funds settle. The funds have settled and for hours I have been trying to contact a customer service representative at the numbers provided by them and now I can't even get through their automated phone system they hang up on me. I've tried to email them and I've gotten no response and I have searched other methods and ways to contact an agent and have been completely unsuccessful it's been 5 hours now I've been trying to do this. There's no way to open a dispute through their website or their app and according to their brochures it has to be reported within 24 hours which of course I already did but was told to call back and now conveniently for them I can't even get through to a person

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: MO

Complaint narrative:
The accounts listed below are all listed improperly and it is law to report accurately on consumer reports. 

XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-09-02 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:
I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX about my concerns about the following account which is XXXX  account ending in XXXX. Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. 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 over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.

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