vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: MS

Complaint narrative:
The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out and not authorizing it to be used on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to XXXX XXXX XXXX XXXX, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX Claims Representative ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | 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 2024-02-23 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to XXXX XXXX XXXX XXXX, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXXXXXX XXXX, XXXX XXXX XXXX Claims Representative ( XXXX ) XXXX ext XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX | T ( XXXX ) XXXX | F ( 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 2024-02-23 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its XXXX year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last XXXX of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested. It multiple accounts that have been listed as I will provide attachment.

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 2024-02-23 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: IL

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to you with the utmost urgency and a significant level of distress regarding the handling of fraudulent charges on my Citibank MasterCard ending in XXXX. This letter serves as a formal demand for the immediate reversal of XXXX unauthorized transactions amounting to {$99.00} each, which were wrongfully reinstated on my account following an investigation by your team. 

On XX/XX/XXXX, while attempting to purchase a XXXX XXXX online and using XXXX linked to my Citibank card for added security, my account was compromised, resulting in immediate unauthorized subscription charges from several suspicious entities. Upon noticing these transactions, I adhered to the advised protocol by first contacting XXXX and subsequently Citibank to report the fraudulent activity. Citibank 's response was to cancel my card and reassure me of the protection I was entitled to against such unauthorized charges. 

However, to my dismay, I was informed via a letter in XX/XX/XXXX that, after your investigation into these transactions, the decision was made to reverse the credits initially provided and hold me accountable for the charges in question. This decision is not only unacceptable, but it directly contradicts the assurances of fraud protection I was given at the time of reporting the incident. 

I must emphasize that these charges are fraudulent, and I neither authorized nor received any services or goods in connection with these transactions. It is imperative to understand that holding me liable for these charges not only constitutes a severe breach of trust but also neglects the consumer protection rights afforded to me under the law. 


I trust that Citibank values its customers and their security and that you will rectify this situation without further delay. Failure to resolve this matter satisfactorily will compel me to escalate this issue through legal channels and consider transferring my banking needs to an institution with a more reliable fraud protection policy. 

I expect a prompt response to this letter, no later than [ specific deadline, e.g., two weeks from the date of the letter ], detailing the actions Citibank will take to resolve this issue.

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 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My car, a XXXX XXXXXXXX, was repossessed on XXXX. I was able to pay off the loan in full, {$17000.00} on XXXX. It took Wells Fargo Bank from XXXX, until XXXX to clear the funds ( money was wired from XXXXXXXX XXXX ). Today XXXX, I called the title department to see when I could get the title. I am told the money has not been received!!!?? The title department transferred me to the XXXX department and they said they had not received the money?? This is after WF has already authorized me to pick up the car on XXXX. Wells Fargo has to be the most unorganized and incompetent bank in America. ( side note, we offered to pay payments to catch up and they refused them. So I paid the balance in full ). I spoke to a man named XXXX, in the Reinstatement Department. He was rude and stated it would take 4 to 6 weeks for me to receive my title. This was after he told me the bank had NOT received my wire. I had to tell XXXX that obviously WF had the money, because I had picked up my car. He did not believe me. Then he tells me how a wire transfer is the worst way to pay a debt. Can you please contact WF Bank and have them send me my title asap. thank you.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2024-02-23 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:
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.

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 2024-02-23 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: IL

Complaint narrative:
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.

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 2024-02-23 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-02-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - Federal - XXXX Violated my rights .... 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.

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 2024-02-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy - Federal - XXXX Violated my rights .... 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
On a number of occasions credit karma pre-approved me for a loan / card and ran my credit through dropping my score when each time there was never any approved loan or any intent to lending any credit behind their deceiving action the only thing I received from them was a drop in my credit score each time their false approvals is very misleading and plan out unfair this shld be acknowledged and and corrected thanks for your time XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: LA

Complaint narrative:
CREDIT INQUIRIES ON MY REPORT YOU DO NOT RECOGNIZE.

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 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year> I noticed the account XXXX XXXX XXXX on my credit report. I have no prior knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
We bought a XXXX XXXX XXXX in Florida and paid off the loan in XXXX. When going to buy a new car in South Carolina, I discovered I never received the title from Kia I called on XX/XX/XXXX and was told the title was released to SC and I could pick it up at the DMV On XX/XX/XXXX, the DMV said it was not released. I called Kia and they said they made a mistake and it would take a few days to fix I then contacted Kias CEO office ( XXXX XXXX XXXX ) on XX/XX/XXXX requesting assistance. I promptly received a call back, but they informed me they had a dependency on St of Florida, so it would take a few weeks. 

Unfortunately, we are entering week 6 now, and all I am told is that it is with the title team.

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 2024-02-23 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: DISCOVER BANK
State: DE

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Discover Financial Services regarding their refusal to honor my opt-out request dated XX/XX/2024, pursuant to 15 USC 6802. 

On XX/XX/2024, I submitted a written request to Discover Financial Services to opt-out of information sharing practices as allowed under 15 USC 6802. Despite my explicit request and the legal obligation under the aforementioned statute, Discover Financial Services has failed to honor my request. Despite multiple attempts to rectify the situation through direct communication with Discover 's customer service representatives, the issue remains unresolved. 

Discover Financial Services ' failure to honor my opt-out request is not only a violation of my privacy rights but also a breach of federal law. I have made every effort to resolve this matter directly with Discover, but their unwillingness to comply with federal regulations necessitates the intervention of the Consumer Financial Protection Bureau. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions to ensure Discover Financial Services complies with federal law and honors my opt-out request in accordance with 15 USC 6802. 

Please find enclosed copies of relevant correspondence and documentation supporting my complaint. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
CREDIT INQUIRIES ON MY REPORT YOU DO NOT RECOGNIZE.

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 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I never requested credit protection. The company has been taking it out seemingly for XXXX years. I asked the company to stop but they continue to charge me a {$5.00} a month. The interest has increased rate from XXXX to XXXX. I accept the credit at XXXX. The company refused to change the rate. Increased maintenance fee rate from XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent.

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 2024-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Re : Claim Number : XXXX Date of Loss : XX/XX/XXXX Named Insured : XXXX XXXX XXXX : XXXX XXXX XXXX Dear Madam : This letter is to inform you that your vehicle, XXXX XXXX XXXX XXXX XXXX ) has been declared total loss as a result of the above mentioned loss. 
As of today, your claim has been paid, in the amount of {$7500.00} to Capital One Auto Fiance, and is currently closed. 
If you have any further questions please feel free to contact us at the number listed below. 
Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Claims Representative ( XXXX ) XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX | XXXX | Florida | XXXX XXXX T XXXX XXXXXXXX ) XXXX | F ( XXXX ) XXXX | XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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 want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts 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