vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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:
I traveled down to XXXX since XXXX to take care of my sick father who was on hospice. i kept all my belongings with a friend and when i came back XX/XX/XXXX, i discovered that there have been a couple of fraudulent reporting on my consumer credit report. i made attempts to speak with the companies involved and to speak with the consumer credit reporting agencies that the reports should be deleted and i was advised this morning by a representative of XXXX to get in touch with FTC.GOV that transferred me here. I have also sent to XXXX, XXXX and Transunion copies of my proof of address which is my government issued driver 's license and Social Security Card with Bank statement to prove that the address the companies were reporting is fraudulent and i have no dealing with the address. The companies reporting fraudulent report on my credit report are as follows with the account numbers being reported and all of them use this fraudulent address. A fraud alert has now been placed on my consumer credit report as advised by the consumer credit reporting agencies. 
Below are the list of the fraudulent accounts and the address being used by the companies reporting these fraudulent accounts Incorrect Account being reported ; XXXX XXXX XXXX  XXXX, GA XXXX My Address ; XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Fraudulent Accounts ; 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 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 XXXXXXXX

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 2024-07-05 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: GA

Complaint narrative:
I traveled down to XXXX since XXXX to take care of my sick father who was on hospice. i kept all my belongings with a friend and when i came back XX/XX/XXXX, i discovered that there have been a couple of fraudulent reporting on my consumer credit report. i made attempts to speak with the companies involved and to speak with the consumer credit reporting agencies that the reports should be deleted and i was advised this morning by a representative of XXXX to get in touch with FTC.GOV that transferred me here. I have also sent to XXXX, Equifax and XXXX copies of my proof of address which is my government issued driver 's license and Social Security Card with Bank statement to prove that the address the companies were reporting is fraudulent and i have no dealing with the address. The companies reporting fraudulent report on my credit report are as follows with the account numbers being reported and all of them use this fraudulent address. A fraud alert has now been placed on my consumer credit report as advised by the consumer credit reporting agencies. 
Below are the list of the fraudulent accounts and the address being used by the companies reporting these fraudulent accounts Incorrect Account being reported ; XXXX XXXX XXXX XXXXXXXX, GA XXXX My Address ; XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Fraudulent Accounts ; 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have an XXXX account, with a card provided by Webster Bank. I have recently tried to use the card and run into issues with it being denied. Today I tried again and finally rang up my healthcare provider who eventually passed me on to the card provider. 

I was informed that because I hadn't used the card, it had been cancelled. But I couldn't use the card BECAUSE it had been cancelled. 

This is a chicken/egg scenario and I suspect the bank cancelled card to prevent me spending the funds in that account. ( Just to be clear there is more than enough money saved in my XXXX to pay recent bills! ) Is this a policy, cancel cards, prevent customers from spending their savings? I suspect so. This should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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 kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I request my credit profile be updated and removal of the jet blue barclay credit card inquiry that was fraudulently opened on my name

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 2024-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2024 I contacted Citi Bank about my Home Depot credit card, I was given a 24 month XXXX interest promotion when I signed up for card and the promotion applied was only XXXX. While Citi bank was proactive in getting that corrected and the amounts credited back to the account and the correct promotion applied, they never adjusted the minimum payment due. 
XX/XX/2024 I contacted Citi bank again about the incorrect minimum payment due. I was informed that my minimum payment due is 1 % of the total balance plus interest and fees. Because of my promotion of 24 months XXXX interest, I am exempt from interest charges being included in the minimum payment for 24 months. My minimum payment has ranged from $ XXXX per month with this promotion over the last 18 months. After the mishap with promotional zero interest, my minimum payment shot up to {$220.00}. When I called Citi bank to have this adjusted to the correct amount, they insisted that it is correct and can not be changed, then proceeded to tell me my minimum payment would go back to the normal amount next month. The minimum payment due is based on an inaccurate calculation. City bank maintains that the minimum payment is based on 1 % of the balance plus interest and fees. This statement is wrong because I am not supposed to be charged any interest for 24 months. City bank said I need to pay almost 4 times the minimum payment because of when the statement was run. The minimum payment was calculated when the incorrect promotion ended, but when the correct one was implemented the minimum payment would stay the same and they have no way of changing it because of how their system works. 
At this moment I am only able to make my normal minimum payment of {$68.00} because of a hardship and I have other obligations to maintain as well, but city bank is forcing me to pay for their mistake. 
I feel this is very unethical and a bad business practice. Citi bank threatened me with late fees and other actions if I didnt pay the incorrect {$220.00}. I have never missed a payment and I have alway held up my end by making at least the minimum payment.

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 2024-07-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.

Complaint narrative:
Submitted a complaint/request for explanation to Equifax about my drastic credit score change.

1 ) Equifax responded saying they reviewed the information I attached to the complaint. ( I did not have an attachment ) 2 ) Equifax said they contacted my creditors to discuss negative information. ( I don't have anything negative in my file ). 

Either Equifax has me confused with another customer ( gross negligence ) Or, Equifax is lying about what they did ( fraud ).

I want an explanation for the drastic score change ( XXXX points ) when there is nothing negative in my file. Additionally, I want an explanation of their previous response which is absolute nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-07-05 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 and 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 2024-07-05 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: MD

Complaint narrative:
I purchased my credit report this morning and saw an unauthorized inquiry on my credit report. Please get rid of that inquiry that are appearing on my credit report. I am unaware of this ; the company did it without my approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding incorrect information on my credit report that has been verified by Experian as accurate. Upon closer inspection, I have identified several inconsistencies that are grounds for deletion : 1. Incorrect Information : The account status listed on my credit report by Experian contains incorrect information, including the date of last payment, the date opened, and the date last active. 
2. Inconsistencies Across Credit Bureaus : The account status is inconsistent across the XXXX major credit bureaus ( XXXX, XXXX, and Experian ). 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all information on a consumers credit report must be accurate and consistent. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation into disputes and ensure the accuracy and completeness of information. Furthermore, FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and compel the credit bureaus ( Experian, XXXX, and XXXX ) to delete the incorrect and inconsistent account from my credit report. The inaccuracies and inconsistencies in reporting are causing undue harm to my creditworthiness and financial reputation.

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 2024-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AFNI INC.
State: AK

Complaint narrative:
afni Subrogation Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX Www.afnicollections.com Tried to collect {$33000.00} on behalf of XXXX XXXX XXXX This is fraudulent and no money is owed to XXXX. I believe this company is engaging fraudulent activities. They targeted my XXXX mother, who was the driver of a vehicle that I own that was stolen and got into a wreck. My insurance company XXXX XXXX XXXX ) and XXXX worked through the process and it was determined that my mother nor I held any responsibility for the accident that the thieves caused as the vehicle was not in our possession. 

In short an official looking letter was sent to my mother threatening her, without any mention of me or sending me ( the actual owner and insurance policy holder ) any information at all. They are clearly trying to scam older people into paying debts that they don't owe. I called the company and explained who I was and that I know that there is no such debt owed. The hung up on me. Please make sure this company isn't doing this to other older Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
Good day, please see supporting documents for my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: TX

Complaint narrative:
Good day, please see supporting documents for my dispute.

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 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
I took out a personal loan with USAA. A few days later I opened a checking account with USAA. I received the loan proceeds in the mail and mailed the check using a deposit slip to be deposited into my USAA account. The check was deposited on XX/XX/year> and there is a hold on the funds over the {$5500.00} threshold. However it is an On-Us transaction and they will not remove the hold, which is lifted on XX/XX/year>. The reason I was told is their automated system said the hold can't be removed. They didn't offer to let me speak to a manager for an exception.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: VA

Complaint narrative:
Inquiry Deletion Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This letter will notify Equifax that the following companies placed unauthorized inquiries on my credit report on XX/XX/XXXX. 

I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I initiated this inquiry Either provide me with strict proof or DELETE the item immediately. I will take legal action if you do not delete the inquiry in 15 days. 
Under 15 USC Section 623, you have 30 days to do a reasonable inquiry into this matter. 
Suppose you ignore this letter and do not delete the inquiry or don't provide STRICT proof of authorization. In that case, I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 
The following companies placed unauthorized inquiries on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your cooperation in advance is appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I seen that a inquiry was on my credit report and I would like to have it removed

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 2024-07-05 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: PA

Complaint narrative:
I checked my credit report this morning and some inaccurate accounts are appearing on my credit report. Please block and remove them as soon as possible as I have no knowledge regarding these accounts.

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