vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: ME

Complaint narrative:
My aunt purchased a {$100.00} XXXX gift card and gave it to me as a XXXX gift. When I went to use it for the first time to purchase a coffee, it was declined. The packaging and card advertise that there is no need to activate the card since it activates when purchased. On XX/XX/XXXX, I called the customer service listed on the back ( XXXX ) and the woman on the phone told me that there was a XXXX dollar balance on the card. I was shocked because this was my first time ever using the card and it was safely secured in its packaging the entire time and needed a pin to complete any purchase. I asked her where the money was spent and apparently it was used at a XXXXXXXX XXXX XXXX XXXX  sometime in XXXX. I told her I received this card as a gift and there was no way the card was used prior unless it was fraud. She said that she could reinstate the amount back on the card, but I would have to mail a picture of the front and back of the gift card and a copy of my government I.D . to a XXXX XXXX XXXX XXXX, FL. Then, I would have to reach out in 3 to 5 days to see if they received the documentation, and then they would reissue the gift card. This could take 7 to 14 days to deliver. Something was really fishy about this interaction, so I went to their website XXXX XXXX XXXX  to see if there was any information online about the funds being used and the website did not even recognize the gift card at all. I did not send any information. I wanted to know if others were having similar issues and it turns out I am not the only 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 monetary relief
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the company has violated my rights. Under 15 U.S.Code 1681 section 602 states I have a right to privacy. Also, under 15 U.S.Code 1681 section 604-2, a consumer reporting agency can not furnish an account without my written instructions. Without my consent, it means identity theft. As you may know, according to 15 U.S.Code 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for ANY PURPOSE. Continuing to furnish such information is a direct violation of the Fair Credit Reporting Act and all parties involved will be held liable for this misconduct. Failing to comply with the Fair Credit Reporting Act results in immediate deletion of the disputed 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 2024-04-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I had previously asked for some help on getting the monthly payment lowered because I couldnt afford the payment because it went up and that wasnt discussed in loan agreement. I was greeted with disrespect and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am filing a complaint against Synchrony Bank for their recent implementation of a {$1.00} monthly fee for consumers who receive a monthly paper statement in the mail. Synchrony began adding this fee to my Lowe 's credit card in XX/XX/XXXX and will implement it with my JCPenney charge in XX/XX/XXXX. 

As a consumer I do not want to be forced into electronic online banking, nor I do not wish to make my checking account information available to Synchrony Bank. As a consumer, I believe it is might right to receive a free monthly statement from the retailer regarding my charges. I see this as a money grab from Synchrony Bank. I have stopped using my Lowe 's card, however I have an insurance policy through JCPenney so I receive a statement from them each month. When you multiply {$1.00} per month times 12 months that is an additional {$24.00} a year that I will be paying on my account. Multiply that figure times the tens of millions of accounts that consumers have with Lowe 's and JCPenney and Synchrony will easily be raking in well over {$1.00} XXXX a year from this scheme. Many of these stores ' customers are middle to low income and this will create an undue burden for them. 

I believe the government should step in and ban this practice of adding unnecessary charges to consumers ' bills under the guise of helping the environment by eliminating a paper envelope. 

I would like to add that I have been a JCPenney account holder since XXXX and this is the first time in 40 years that I have had in issue with this 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 2024-04-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The Midland Credit Management on XX/XX/XXXX sent me a bill and asking me to pay {$670.00}. I was surprised, I call them and told this is not me, after some question they told the last 4 digit of my social security is much to the crime. I have not a credit card with XXXXXXXX XXXX XXXX I have find out I'm a victim of identity theft. I am a resident of this address since XX/XX/XXXX, but there is a different address in my name on the bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've consistently maintained on-time payments for this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Under 15 USC 1666b - Billing Error, corrections should be made.

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

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 2024-04-04 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: HI

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 2024-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.

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

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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
Consumer complaint received 2024-04-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 


XX/XX/XXXX RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 



I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 



1. This inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 






under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
XXXX XXXX and XXXX. 
I had spoke with him in XXXX Nordstroms credit card services. I called them to bring my account current and see what I can do and they said they were recording the call. I agreed to pay the next few months {$80.00} a month with them taking out on the first of every month directly from my bank account so I paid XXXX and XX/XX/XXXX payments of {$40.00} which is {$80.00} then XXXX they were supposed to deduct from my bank account {$80.00} dollars and they did not. I have called multiple times on these days especially over XXXX times and there is no help inside after hours on the phone waiting or holding and help. I need to know why they did not drop the money and why are they charging me fees when Im trying to get my account back current with a payment plan they said would help me get back on track.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Keeping up with timely payments on this account has always been a priority, ensuring they never fall behind schedule. I'm puzzled by the presence of late payment remarks on my accounts. Referencing 15 USC 1666b - Billing Error necessitates correction.

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 2024-04-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-04 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally. protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account Number XXXX XXXX Reported Balance {$500.00} XXXX Account Number XXXX XXXX Reported Balance {$0.00} XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$350.00} XXXX XXXX XXXX  Account Number XXXX XXXX Reported Balance {$710.00} XX/XX/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 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 account without my written. instructions.

15 U.S.C. 1681 C. a 56 ; No consumer reporting agency may take 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. in to date the report by more than seven years.

15 U.S.C.1681s-2A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows what 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 2024-04-04 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally. protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account Number XXXX XXXX Reported Balance {$500.00} XXXX Account Number XXXX XXXX Reported Balance {$0.00} *XXXX XXXX XXXX. Account Number XXXX XXXX Reported Balance {$350.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$710.00} XX/XX/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 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 account without my written. instructions.

15 U.S.C. 1681 C. a 56 ; No consumer reporting agency may take 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. in to date the report by more than seven years.

15 U.S.C.1681s-2A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows what has reasonable cause to believe that the information is inaccurate.

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

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit profile. Would you mind verifying the paperwork? Several of the mentioned entries exhibit inaccuracies concerning reporting, including erroneous amounts and dates.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I signed up for a Citi Double Cash Card because of the {$200.00} sign-up welcome offer which the terms and conditions of can be viewed here : https : //www.citi.comXXXX 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. 

When I completed the requisites for this offer, I never received the {$200.00}, when I questioned Citi Bank, they informed me it is because I did not sign up with a code given to me in the mail. 

If you read the entirety of these terms and conditions, there is no mention of needing a invitation letter to receive the {$200.00} bonus. On this sign up page, it states " Earn {$200.00} cash back after you spend {$1500.00} on purchases in the first 6 months of your Citi Double Cash card account opening.XXXX '' Upon viewing the superscript for this offer, it does not mention this welcome offer requiring a letter with a verification code in the mail either. This is true when viewing the full terms and conditions as well. 

Again, there is NO mention of this in the TERMS AND CONDITIONS and the SIGN UP page for this credit card. 

This is fraud. 
Citi Bank is unable to provide a section in the terms of agreement for this credit card that states that a letter with a code is a requisite to claim the welcome offer.

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