vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
One time.for certain I visit this particular store on XXXX XXXX by the social securidades office somwone keeps picking my pocket for ssi number and XXXX I receive it on

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 2024-05-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/year>, at XXXX XXXX XXXXXXXX. I tried to access my Citizens bank accounts to check my balances, both savings and checking, whether the funds are sufficient to cover a check or whether I need to transfer funds from saving to checking account. I tried to do my banking online, as I usually do. I was denied access to my online account. I wasn't even allowed to enter my sign in information. Instead, a message appeared stating in part " Our team is actively making changes to improve overall customer experience. We appreciate your patience ... '' No information was provided as to how long I am supposed to be " patient. '' I have waited for XXXX min and tried again and was denied access again. I have tried calling the bank to check my balances and do the fund transfer by phone but was denied that as well. After I have entered my SSN and account number, the automated message stated that currently there was no access to account information. I have tried getting into my account online after 1 hour again. And again was denied access. My situation was urgent, as I can be charged penalty if there are insufficient funds in my checking account and it also prevented me from using my checking account to pay my bill; and I was repeatedly denied access to information about my accounts without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XXXX XXXX XXXX and XXXX and he conducted about 30 loans which all hit my credit file. XXXX ask me about the forgery by XXXX XXXX under complaint XXXX & XXXX ask me about having account information @ Huntington Bank and XXXX XXXX  XXXX  neither have I done mortgage or credit card business with but XXXX XXXX here from XXXX on an XXXX  is an computer professor and stole my identity PLEASE CONDUCT AN INVESTIGATION PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOAN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TransUnion for their failure to investigate a late payment reported on my closed XXXX XXXX account. Despite multiple attempts to dispute this inaccurate information, TransUnion has not taken appropriate action to rectify the situation. I discovered a derogatory mark on my credit report indicating a late payment on my closed XXXX XXXX account. However, upon reviewing my records, I found no evidence of any late payments on this account. 

I promptly contacted TransUnion to dispute the inaccurate information and requested an investigation into the matter. However, despite providing all necessary documentation and following up multiple times, TransUnion has failed to investigate the discrepancy or provide me with updates on the status of the investigation. 

This erroneous reporting has significantly impacted my credit score and financial well-being, affecting my ability to access credit and obtain favorable terms on loans and other financial products. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold TransUnion accountable for their negligence in addressing consumer disputes. I request that TransUnion be required to conduct a thorough investigation into the late payment on my closed XXXX XXXX account and promptly update my credit report with accurate information. 



Thank you for your attention to this matter. I look forward to a prompt resolution and am available to provide any additional information if needed.

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 2024-05-12 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit as a XXXX XXXX member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Navy FCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
Housing & land opportunity of reasonable affordability was missed with international negative impact on me as a Veteran, Human, Susabled human, XXXX human of a different ethnic background than she.. She was more interested in the status of my husband since this was the 2nd time she and/or realtor defaulted on promise based on their licenses & etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a consumer, I have subscribed to Transunion monthly subscription service, which is advertised to include the ability to freeze and unfreeze my credit online at any time. However, despite paying the monthly fee for this service, I have consistently faced difficulties in utilizing it as advertised. 

Specifically, I have found myself unable to freeze or unfreeze my credit online through Transunion 's platform. Instead, I am forced to contact their customer service department every time I need to enact a credit freeze or unfreeze, which is a cumbersome and time-consuming process. 

This failure on Transunion 's part to provide the promised online credit freeze and unfreeze services constitutes a violation of consumer rights and fair business practices. It is unacceptable that despite paying for this service, I am unable to access it conveniently online as advertised. 

I kindly request that the CFPB investigate this matter and take appropriate action to address Transunion 's non-compliance with consumer protection regulations. Additionally, I would appreciate guidance on how best to resolve this issue and ensure that Transunion fulfills its obligations to consumers moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing this concern.

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 2024-05-12 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: TX

Complaint narrative:
Unauthorized Inquires on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I purchased some items from XXXX through the XXXX bank regularly, and paid my regular monthly payments and more, and occasionally a lump sum of money to clear my debt and close my account, and didnt purchase any items for at least 7 months.After a while they increased my debt to about {$1200.00} which wasnt right, I sent them letters and emailed them to provide me with a statement of breakdown of my purchases against my payments, which they never did. 

Anyway, I gather they reported this to credit companies and that impacted my credit score.

I need that to be fixed please. 

Appreciate your time and patience with me and my XXXX as my second language.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-12 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit as a XXXX XXXX  member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : USAA Federal Savings B - XXXX XXXX : USAA Federal Savings Ban

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NV

Complaint narrative:
From XXXX to current date, Discover Card has attempted to obtain very specific financial information, that they stated to me was just to confirm my identity. As a consumer Discover Card has requested IRS Consent Form 4506-C be signed which I feel is overstepping my right to privacy. I offered other ways to verify this information and was denied. The tax years they are requesting also has information relating to family members who passed away in XXXXXXXX XXXX XXXXXXXX. I can not provide the information without approval from the XXXX courts in XXXX states, which is an additional expense that I will not pay to maintain an account with Discover. Please note my account was opened in and around XXXX of XXXX which was a secured account, and around XXXX of XXXX it was converted to an unsecured line of credit. I have reason to believe Discover was asked to solicit this information, on behalf of a third party. I am a victim of the data breach at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
On XXXX, Synchrony Bank reduced my credit limit from {$400.00} to {$160.00} damaging my credit on the Amazon Store Card, stating among other issues, that I did not have property to secure a loan. I own property under my name at XXXX XXXX XXXX, XXXX, Louisiana XXXX. Synchrony can not continue to reduce credit lines and harm an individual 's credit. Furthermore, Synchrony states in their letter that the report is from XX/XX/2024 but my credit score has not changed. In fact, I was approved for a Home Equity Line of Credit from another company. 
By Synchrony reducing credit lines, they are damaging credit reports of millions of individuals and this must stop.

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 2024-05-12 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: Army and Air Force Exchange Service
State: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit as a XXXX  XXXXXXXX member and XXXX XXXX. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : Military Star - XXXX XXXX : Military Star - XXXX XXXX : Military Star - 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-05-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXXXXXX, account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-05-12 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: MN

Complaint narrative:
I'm trying to rent a home for my family and I but I keep getting denied and money is being wasted on application fees. We are currently homeless because I keep getting denied. In accordance with the fair credit reporting act this creditor has violated my rights, Under 15 U.S.C 1681 section 602 states I have the right to privacy.

Under 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

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 2024-05-12 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: MN

Complaint narrative:
I'm trying to rent a home for my family and I but I keep getting denied and money is being wasted on application fees. We are currently homeless because I keep getting denied. In accordance with the fair credit reporting act this creditor has violated my rights, Under 15 U.S.C 1681 section 602 states I have the right to privacy.

Under 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

Under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

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 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief