vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: FL

Complaint narrative:
I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, XXXX and Transunion by way of Financial institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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:
I'm a victim of identity theft. I recently learned that my nonpublic personal information is being shared and furnished with different institutions and nancial institutions without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to XXXX, Experian and XXXX by way of XXXX institutions without full disclosure and without my written consent, unknowingly and unwillfully against my knowledge, and therefore request these accounts be removed immediately. In accordingly in pursuance of XXXX USC 1681 Permissible Purpose of Consumer and 15 USC 6801 protection of nonpublic personal information. This is identity theft. Pursuant FCRA 603 ( c ) Financial Institutions must notify consumers in writing to CRA Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I, XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 
UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: MI

Complaint narrative:
I applied for credit and was denied because of non autorized accounts and address 's were assembled /placed on my consumer report which are fraudulent, So I sent a letter to all three CRA 's registered mail in good faith explaining what happened and to delete mentiond accounts/address within the letter/complaint I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the Consumer Credit Protection Act, creditors are required to comply with specific rules regarding the reporting of late payments : 1. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights. 
2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law.

3. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly. 
Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called the number on the back of my credit card to find out what the exact date is that I entered into a contract with Citibank for the credit card. One representative said he can not see that information. When I asked to speak to a supervisor he would not transfer me to a supervisor and instead routed my call back to the beginning of the automated menu. The second time I called, the representative told me that he can not give me the information because it's private. I reminded him I verified my identity as the account holder as he requested yet he still would not provide me the information. I asked to speak with a supervisor. When the supervisor came on the line, he inquired why I wanted the information. I told him it was for my records and he said he could not give out that information. He could only tell me the year I entered into the contract. I asked for a letter to be sent to my home providing the exact date I entered into the contract and he ignored my request. Instead, he wanted me to guess a month and year and he can just say " yes '' or " no '' in response. 
This is unacceptable because I have a right to know the exact date I entered into a contract with a company. I should not have to play guessing games or even reveal why I want the information after I have already verified my ID as the account holder.

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 2023-11-06 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: IL

Complaint narrative:
I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I deposited a check from the U.S. Treasury into my checking account with Ally Bank, as a result, they froze my accounts, denying me access to funds and paychecks that were already in the account and will not release the account or give me access to my account for XXXX weeks ( 10 business days ). I understand by law, any deposits XXXX and over must be investigated, but this is something else. I called and was transferred to their fraud department, and was told by their staff that they needed to call and verify the check before it could be released. I told them that I understand holding the check until it was verified, but that I needed access to my checking account as it also has my paycheck and other funds that I need in order to pay bills, buy food, gas, etc... basically money to live on. I was told that it was their policy to freeze the entire account and could not just put a hold on the check and give me access to my account, as there is no way to separate the two, which of course makes no sense as other banks are able to do so. It also makes no sense that it takes them 2 weeks ( 10 business days ) to verify a check. I have called back several times to get a status update, the Ally employees responses are vague, rude and not helpful. I even asked if they would email me or call me once the funds and my checking account are released, both times I was told no, that I would have to call back. So here I am, the check I deposited and my bank accounts are frozen for 2 weeks ( 10 business days ), I can not access any of my money to pay bills, and good customer service, a simple courtesy call is being denied to me, all because I deposited a larger than usual check. Typically, most banks will release a small portion of the deposit until the check is verified, which normally only takes a few days. Why and how is it legal for Ally to completely freeze entire bank accounts and funds not related to the deposit, as well as the deposited check in question, for 2 weeks ( 10 days )? No concern or care is given by Ally to the fact that any customer who makes such a deposit will not be able to pay bills and access un-related funds necessary to live.

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 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I have provided The Department of Ed and Mohela with documentation regarding my missing payment count from XX/XX/XXXX thru XX/XX/XXXX. Still no update on when this will be resolved. Both parties acknowledge the payment count is incorrect but neither party is fixing the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a letter from the creditor dated XX/XX/2023, confirming that the inaccuracy should be removed. However, Equifax responded to the XXXX stating that they verified the information as accurate. Based on the letter I received from XXXX, it appears to be a lie. I spoke with a Supervisor at the Equifax Call center and was told these inquiries would be removed but they are still being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
This is my third or fourth complaint submitted to the CFPB regarding TransUnion, as well as, XXXX, and the mistakes they need to correct on my credit report. I have been back and forth with many of their customer service representatives and have also reached out to their management via email. I was told that I would receive and update after the pending reviewal of my credit report and the corrections to be made. Although, I never received any update besides the response they gave to my previous complaint to the CFPB and no corrections were made on my credit report. 

I am a victim of ID Theft and am including the documents I have as proof. My personal information has been compromised and used by someone other than me and they opened fraudulent accounts without my authorization. 

The following accounts were opened fraudulently without my knowledge and must be DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$10000.00}

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 2023-11-06 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: DC

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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Dear CFPB, I have made attempts to call your office at the number listed online, ( XXXX ) XXXX ) and this is not a reachable phone number!! It sounds like it is disconnected. 

Therefore, I attempted to send you an update on my case ( complaint # XXXX ), but you had closed the case before I have received a resolution! 

The letter I received by email from CITI Executive Response Team ( Citi # XXXX ), advised they did not service the Sears Warranty and " deflected '' the problem by providing a phone number to me to call XXXX ( XXXX ) XXXX. I might add, a phone number I have already called repeatedly! They did not provide any assistance to 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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
CFPB - and countless consumers laws i allege are being FRAUDULENTLY BEING IGNORED- so this is a request to BANK OF AMERICA TO RESPOND BY LAWS REGULATIONS DOBB FRANK ACT- CFPB RULES- AGAIN BANK OF AMERICA I ASK A RESPONSE OF A YES OR NO.

REQUEST : will BANK OF AMERICA STATE YES OR NO- that they have honestly responded accordingly to all banking consumer rights per below. THIS IS A YES OR NO REQUEST. 
Why? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Last 4 SS- 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 2023-11-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I called in a stolen/lost card to Chase. The company assured me the card hard been cancelled and that a new card had been sent. I continued on with my business trip only to find out that my checking account had {$10000.00} dollars on dates XX/XX/XXXX and XX/XX/XXXX. One of Chase ' employees must not have submitted the cancellation. I went in to the Chase branch, opened a claim against the charges. The charges were initially reversed, and then on XX/XX/XXXX the claims were reversed on my account by Chase. I went in to the branch again today XXXX XXXX XXXX XXXX XXXX to ask why the claim was reversed. I was informed that due to the pin being used on the charges that the claim was changed. I had to remind them that it was their fault for not cancelling the card on XX/XX/XXXX that the charges here after were Chase 's fault. Chase should have safeguards in place, as for each of the 5 {$1000.00} dollar cash back requests at XXXX that were not authorized by me. 5 separate transactions for XXXX dollars each was not once verified by text or a phone call to me on a card that should have been cancelled debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 2023-11-06 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: DC

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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-06 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: DC

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 XXXX : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 explanation