vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, unauthorized transactions totaling {$41000.00} and {$3600.00} were posted to my PenFed Credit Union account. I reported these transactions immediately. PenFed conducted an investigation and, in letters dated XX/XX/year>, and XX/XX/year>, confirmed that I was not liable for these transactions. They stated that credits for the unauthorized transactions were issued on XX/XX/year>, and that the fraud case was closed. 

Despite these confirmations, I have been unable to access my account online, and the credited funds remain inaccessible. Over the past few months, I have made numerous attempts to resolve this issue by contacting PenFeds customer service. Unfortunately, my experiences have been frustrating and unproductive : Representatives often transferred me blindly to other departments without providing any solutions. 
I received conflicting information from different representatives, including XXXX, who were unable to provide clear answers or resolve my issues. 
Despite my repeated requests, I still do not have access to my account or the credited funds. 

On XX/XX/year>, I spoke with PenFed again, and there has been no resolution. Over this period, I have interacted with nine different agents from various departments, including the security team, yet no one has taken responsibility for resolving my issue. Everyone at the bank continues to point fingers, and no one provides a clear solution. 

I am requesting the office of the president at PenFed to intervene, provide a clear explanation of what is happening, and ensure that I receive the funds I am due immediately. 

This ongoing issue has caused significant inconvenience and stress. I am seeking immediate restoration of full access to my online account and assurance that the funds credited on XX/XX/year>, are accessible without further delay. 

Thank you for your assistance in resolving 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 explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding several accounts that appear on my Equifax credit report but do not belong to me. The details of the accounts in question are as follows : XXXX - Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX  I have discovered these discrepancies while reviewing my credit report and wish to have them removed promptly as they are not associated with my financial history. These incorrect accounts are adversely affecting my credit score and causing undue stress. 

To resolve this matter, I am requesting the immediate removal of these accounts from my Equifax credit report. I have attached copies of my identification and relevant documentation that substantiate my claim. 

I have previously attempted to resolve this issue directly with Equifax but have not received a satisfactory resolution. As such, I am seeking your assistance to ensure that these errors are corrected in a timely manner. 
. 
Correspondence with Equifax regarding my attempts to resolve this issue. 
Thank you for your prompt attention to this matter. I look forward to your assistance in correcting these inaccuracies on my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: NY

Complaint narrative:
I was planning to use my credit card. I was reviewing my credit report and showed XXXX of my accounts were closed when I look at the Phone app. There is no indication at all that my account is closed and in fact, it shows an available balance. And in fact, next to the available balance is a button to click to explain what the available credit balance means. I made a complaint to the credit bureau to say it was incorrect. Since based on the app. It showed my account was open and I was not given any reason or notice that my account was closed. The bank came back and did not change the information on my credit report. When I contacted the bank directly, they confirmed the account was closed. They refused to tell me verbally what the reason was because they claim, they have no access to that information. They said I would get a reason in the mail-in XXXX weeks. I waited XXXX weeks. I did not receive anything. I called the bank again again. They confirmed it was close. I explained to him how I found the deceptive. How could the account be closed yet? When I look on the app, there is no indication that it is closed and it shows me this in the available balance and there is no indication at all of a close status. Again, they told me they could not give me the informationverbally and they claim they will send again a notice in the mail. 
When I when I told them, I wanted this escalated and I was going to file official complaint with the CFPB I was transferred to a supervisor and when I told him he transferred me back to the first line regular customer service after specifically stating before he transferred me, he said. Since you want to escalate this, I need to transfer you. And he put me right back to a regular customer service. SO my problem is this. I find it very deceptive. How I could go on an app seen available balance? No indication in my account is closed yet. My account is closed. Had I not checked my credit report? I could have easily been in a financial problem. Trying to use my credit card and trying to use the amount which the bank is telling me is available to me to use in my credit line. So XXXX I need to find out what the reason was.That they closed it and second of all the bank must stop immediately being deceptive by closing accounts.Yet having it display in the Phone app.There 's an available credit line and making the customer.Believe in this case me that I have an available credit line when.In fact the account is closed

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 2024-06-14 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: FL

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1968 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
R

equest for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/1968 Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: NJ

Complaint narrative:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. Account - XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report

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 2024-06-14 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: NJ

Complaint narrative:
Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via email dated XX/XX/year>. While checking the above report, it came to my notice that your Company has furnished an account on my report. Account - XXXX According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Draft Cease & Desist Letter 2 Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation Sincerely Name XXXX XXXX Enclosures : 1. Copy of Consumer Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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:
PLEASE BLOCK AND REMOVE It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 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: FL

Complaint narrative:
Per the 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, non verbal per 15 U.S.C 6802 and Privacy act of 1974.

Account I want to Opt out of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Opt out of these accounts

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 2024-06-14 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

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 2024-06-14 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: AZ

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

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

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

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

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


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


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

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

Delete the late payments from my consumer reports

Company 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 2024-06-14 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: MD

Complaint narrative:
This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation.

If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA.

If you're able to provide the required documentation within 30 days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file.

Please provide the following : Agreement authorizing collection on this debt.

Agreement with my signature agreeing to pay the creditor.

Any insurance claims or judgments related to this account.

Creditor 's name and address.

Debtor 's name and address.

Alleged account number, debt amount, and payable date.

Verification of debt assignment or sale.

Detailed accounting of the debt.

Commission information for successful collections.

If any part of this request is incomplete, it will not be considered. Please allow 30 days for processing once I receive this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I had a balance of {$2800.00} from an apartment. I recently paid it in full and now I need it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted XXXX numerous of times. I had late payments reporting and they told me to provide medical documentation. I provided the documents and a supervisor stated the amount of hours I was in the emergency room. I was out of work and provided my discharge papers as they requested. 

They are trying to retaliate by not removing the incorrect XXXX accounts. The supervisor listed several reasons of why they will not remove the accounts. They stated someone else called on my account and it was my wife. Then they stated I filed a dispute with the credit bureaus. 

In all 3 credit reports the XXXX  accounts are all reporting incorrectly. Account status, date opened, payment status, and date of last payments are showing different. 

Both of my accounts they are reporting to the credit bureaus are paid and closed. I was experiencing a hardship at the time the late payments were reported. I'm in the process of purchasing my home and this credit building account is the reason why I can't move forwards. XXXX are being very insensitive. If I can't purchase my home home my family will be homeless. My closing date is next week and if the XXXX accounts aren't removed they will suspend my contract. 

I will attach proof of the credit reports reporting inaccurately, medical documentation, emails from XXXX  showing retaliation.

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