vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited a XXXX check for my minor child that was given to her as a birthday gift from my uncle. My daughter turned XXXX this year and is not capable of managing XXXX. I have deposited checks to my account for my minor children over the years and it has never been an issue. On Saturday, I lost access to my account. I called on Sunday morning and Citibank stated there was fraudulent activity and I had to call back on Monday when the fraud department was open. I did that. I spoke to XXXX. I verified with him that the check was for my minor child. He said not a problem the hold on my account would be lifted by today ( XX/XX/XXXX ). The hold was not lifted, so I called back. They stated my account was approved for closure! And that they do not accept third party checks. No one would help me. They treated me like a criminal. I explained that I have deposited checks for my daughter several times over the years to which they state I did not. I pulled up My emails with the dates of the deposits and informed them. The lady said okay so we still have to verify from the person who wrote the check. This is absolutely horrible and they treated me so poorly. I am humiliated.

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 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi Bank stole my money in the amount of {$9900.00}. 
I opened a checking account online, received a debit card and a PIN code in the mail, activated my debit card. 
Deposited a check for {$9900.00} in my name, written to me by XXXX XXXX. Tried to transfer money to my savings account. Citi Bank blocked my account. Now I do not have access to my account and my money.

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 2024-04-16 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:
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 : 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 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  has violated my rights. 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. has violated my rights. 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. I am writing to dispute an unauthorized inquiry on my credit report. Im requesting a copy of the original contract of the debt in question. I never signed to have permission to have personal information it states this is a violation of the FCRA 15 usc 1681 ( 1 ) which states they have to have accurate credit reporting ( 3 ) credit reporting agencies assumed a vital role in assembling and evaluating credit reporting Also as a consumer you have the right to privacy, you are violating my rights because I never gave your company permission or written consent to have my person information. Im requesting Cease and dismiss and cut off all communications. Reporting information on my credit report is a form of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion has failed to respond to my dispute letter within 35 days. This is well over the mandated time limit set in place by the FCRA and CFPB. I sent out the letter certified mail on XX/XX/2024. It is now XX/XX/2024. I have not received any notification via mail nor online pertaining to the status of numerous disputed items. I did not provide any information to extend the dispute period nor generate a reinvestigation. However, even if I'd had, the clear and concise fact of the matter is this company failed to do any investigation on all of the disputed items.

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 2024-04-16 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: NC

Complaint narrative:
I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2

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 2024-04-16 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: NV

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate hard inquiries listed on my credit report, which I believe violate the provisions of the U.S. Code 15, Section XXXX, and other relevant laws pertaining to consumer credit reporting. 

On XX/XX/XXXX, I sent a letter to TransUnion disputing the accuracy of nine hard inquiries listed on my credit report. These inquiries are dated between XX/XX/XXXX and XX/XX/XXXX. Despite providing valid identification and a copy of my credit report clearly highlighting the inaccuracies, TransUnion has failed to respond satisfactorily to my dispute. 

According to the U.S. Code 15, Section 1681, consumer reporting agencies such as TransUnion are required to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, they are obligated to investigate any disputes filed by consumers regarding the accuracy of the information and to correct any inaccuracies promptly. 

I have attached a copy of my valid identification, which includes my current address, along with a copy of my credit report highlighting the disputed hard inquiries. Despite providing this documentation, TransUnion has failed to take appropriate action to remove the inaccurate information from my credit report. 

As per the provisions of the U.S. Code 15, Section 1681, and other relevant laws, I demand that TransUnion conduct a thorough investigation into the disputed hard inquiries and delete them from my credit report within 30 days. Failure to do so will leave me with no choice but to pursue legal action against TransUnion for violating federal law. 

Additionally, I am requesting compensation of {$1000.00} for each inaccurate hard inquiry listed on my credit report, as permitted under the law, should TransUnion fail to rectify this matter within the stipulated timeframe. 

I trust that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure that TransUnion complies with its legal obligations regarding the accuracy of consumer credit reports. 

Thank you for your attention to this matter. I look forward to a swift resolution.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2024 I disputed the reporting of inaccurate personal information reporting on my consumer report. According to 15 USC 1681 ( e ) ( b ) accuracy of reporting is in violation. Incorrect addresses are reporting to my Trans Union and XXXX credit report. XXXX is reporting correctly.

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 2024-04-16 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.

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 2024-04-16 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:
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 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I'm purchasing a new home and my credit score significantly dropped. After inquiring with XXXX a recent collection issue is appearing on my credit report. The amount is small at roughly {$970.00} from XXXX  but was discharged to a collections agency, XXXX, MRS BPO, LLD. XXXX  is apparently a cable company which doesn't even operate in my state of California. I have no knowledge of this company or transaction and am working with XXXX to remove from my credit ASAP in order to move forward with a new home purchase.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have been trying to receive bank statements but they ignore me I need to update my information was in a data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
THE COMPANY BELOW IS IN VIOLATION OF 1692 c ( c ) of the fair debt practices act XXXX XXXX XXXXE ACCOUNT # XXXX XXXX XXXX XXXX XXXX, P.A XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Two years ago, during a visit with my mother to XXXX in XXXX, an unfortunate incident occurred wherein my phone was stolen, subsequently leading to unauthorized charges on my accounts. Despite my diligent efforts to rectify the situation, including contacting customer service and purchasing a new phone, I have encountered ongoing challenges. 

Compounding these difficulties, I have faced identity theft multiple times, necessitating the adoption of my nickname, XXXX, and undergoing a marital transition from which my last name changed from XXXX to my original name, XXXX XXXX. Throughout these tribulations, I have strived to maintain my integrity and financial responsibility. 

In pursuit of rebuilding and fortifying my financial standing, I sought to leverage opportunities such as financing an XXXX through Apple 's credit card. Entrusting in the assurances of support and reliability from Apple, I embarked on this endeavor with optimism and commitment. 

Regrettably, my experiences with Apple 's customer service have left me disheartened and disillusioned. Despite my respectful and earnest communication, I have not received the level of assistance and consideration I expected. Instead, I have invested countless hours attempting to resolve issues and seeking guidance on maximizing the benefits of my card, only to find myself met with frustration and disappointment. 

The sudden closure of my account and the resultant impact on my credit score feels unjust and punitive. As a conscientious and loyal customer, I had anticipated fair treatment and resolution of the promised refunds. Instead, I find myself in a state of financial insecurity and emotional distress. 

I implore Apple to honor their commitments, restore my peace of mind, and rectify the injustices I have endured. As a hardworking individual striving to navigate life 's challenges, I deserve to be treated with dignity and respect by my financial institution. It is my sincere hope that Apple will acknowledge and address these grievances promptly, restoring my faith in their integrity and commitment to customer care.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I used PayPal Credit to make a purchase and had months to pay off the account to not accumulate any fees. XX/XX/24 I paid the entire balance in the account. PayPal or their partner Synchrony bank went and added Late fee on the account for {$41.00} along with {$2.00} interest fee added to the late fee. I called PayPal today to remove the late fee and interest fee and bring my account updated to XXXX.They said I paid off the account a day late and would not remove these fees. I am trying to resolve this now because they will keep adding late fees on top of their late fee and more interest too FURTHER grow this amount. 
Please 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 monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX. I recently opened a bank account with BMO Harris bank. The following day I deposited my check into my account. That next day my funds were available but I couldnt withdraw due to my account being frozen. I cant access my funds from a check that I deposited

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 2024-04-16 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: SC

Complaint narrative:
I was a victim of fraud and I recently I received a copy of my credit history report from Experian. That Report contained incorrect information reported by you. 
I contacted Experian, XXXX and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : { dispute_item_and_explanation } I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact Experian, XXXX and XXXX , immediately to remove this information from my credit file. 
Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information.

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 2024-04-16 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: FL

Complaint narrative:
Please view the accounts closely and delete all accounts that was not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
4. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Delete this account. 
5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
7. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XXXX  Please remove it 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 non-monetary relief