vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have recently written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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 have recently written to the credit bureaus twice regarding their investigation into certain accounts that are reflecting inaccurately on my credit report. Despite my repeated requests, the credit bureaus have failed to provide supporting documentation or respond to my disputes in a timely manner. 

As per the FCRA, credit bureaus are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. If the credit bureaus are unable to verify the accuracy of the information, they must remove it from the consumer 's credit report. 

In my case, the credit bureaus have not provided any supporting documentation such as a contract, ID, signature, or any other evidence to support the accuracy of the information on my credit report. Furthermore, it has been over 30 days since my last written dispute and the inaccuracies still reflect on my credit report. 

I am writing to request that the Consumer Financial Protection Bureau take immediate action to ensure that the credit bureaus comply with the FCRA and remove the inaccuracies from my credit report. If the credit bureaus continue to violate the FCRA, I will have no choice but to move forward with civil action to protect my rights as a consumer. 

I appreciate your time and attention to this matter and look forward to your prompt resolution of this issue. Please let me know if you need any additional information or documentation from my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I filed a dispute with the Experian credit reporting agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor XXXX XXXX XXXX sent me a letter stating that it was being removed. and as of XX/XX/XXXX, XXXX XXXX XXXX WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND EXPRIAN IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN 30 DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF 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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : 1. Validate Account : XXXX XXXX XXXX : Account Number : XXXX Please investigate and remove completely from my credit report. 
2. Validate Account : XXXX XXXX XXXX. Account XXXX : XXXX Please investigate and delete from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, 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 2023-02-08 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: TD BANK US HOLDING COMPANY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I was victim of fraud on my account. 32 transactions totaling {$8700.00} were charged on my account without my authorization. I was not called or texted to verify the transaction. I can provide utilization data download from my cellphone provider to show that I was never contacted by TD Bank to authorize the transactions. 

On XX/XX/XXXX I contacted TD Bank after realizing that unauthorized charges were debited from my account. After putting the claim, I received a provisional credit of {$5300.00} on that day and a credit of {$420.00} on XX/XX/XXXX. Not all charges were captured correctly on my first conversation on XXXX and the initial credit received did not cover all fraudulent transaction. I therefore contacted TD Bank again to open a claim for the missing transactions. On my second conversation on XX/XX/XXXX transactions were added to my claim equaling {$3000.00}. On XX/XX/XXXX of the 32 provisional credits I obtained were reversed. On XX/XX/XXXX I visited my local branch and put a new claim for the 12 transactions that were denied a credit. On XX/XX/XXXX, my account posted the 12 credits provided were once again reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITIBANK on numerous occasions have unethical banking practices and has misappropriated funds. Citibank has discriminated against me as a customer and consumer, Citibank is recorded retaliating against me and violated my banking rights. Citibank in multiple instances have not properly adjudicated claims according to the law, have charged fees that were not owed. When I raised complaints with Customer Service Management, Corporate Office ( Citibank Executive Response Unit ) and Citibank Legal, regarding being harassed by a Citibank associate, my Privacy rights being violated and being antagonized and hung up on by Associates and ultimately disrespected. My phone calls are being evaded, I am prevented from speaking with and opening complaints with the Executive Unit and not being allowed to inquire on my accounts. I have been prevented access from my own funds and not allowed to view my transactions. I was charged banking fees to my Checking account erroneously and most recently a claim for {$230.00} was not adjudicated according to California State guidelines. In addition, My secured credit card was closed due to retaliation due to my advising I will seek legal advice. My funds have not been returned and open claims have not been legally resolved. My Citibank Visa was not graduated to a revolving account as advised and after consistent on time payments in which I called and made numerous complaints with no response nor solution from Citibank. 
Citibank has blatantly misrepresented and attacked my character and made false claims as a means to cover up their unethical bank practices, conduct and illegal activities. I have been unable to view, access and perform transactions on my account. I have been prevented from escalating to the department that investigates disputes. My Consumer rights have been grossly violated and Citibank has performed in a criminal capacity as well. There is legally recorded evidence as well as written. 
Past incident dates include but are not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2023-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I took out a personal loan from One Main financial for XXXX. I paid it down to like {$6500.00}. 
i started having some financial issues & sought help from XXXX. XXXX XXXX XXXX The negotiated to pay off XXXX the debt with One main. I decided i no longer liked XXXX & started paying off debts myself. One main then negotiated with me installments of {$150.00} to be deducted from my account every month. I have that paper. at the end my last payment i called and said can i have proof of my payoff & the lady that negotiated with me advised that was my proof. I would still be getting notifications /c it was automated. I did so i disregarded anything from One main. I then went to pull my credit b/c i wanted to purchase a residence, ( but couldnt/ cant b/c of this ) an amount of est $ XXXX is with a collection agency. they said its from non payment to One main. Ive been going back and forth. They said they dont have that phone call, but they have all the others. I also asked for proof of the {$1000.00} they said i didnt pay and that voided the negotiated terms, which they still have not sent me. So now after paying them est {$3000.00}. they sold a debt. to a collection agency for est. $ XXXX. it makes NO sense to me. The collection agency did not even have all the accurate information. I provided them with the negotiated debt with One main & XXXX. When i called one main the first time. They said they dont have any information on my account b/c it was sold to the collection agency. Then after multiple calls to XXXX they were able to find the information. The CA sent me list of bills that XXXX had sent to me that i disregarded b/c i was advised to do by XXXX so after my last payment. Also mean while they are debiting {$150.00} each moth im still getting bills for large payment amounts and late fees. They Do not have the process in order or the information. its not right that i now have this negative mark on my credit report & delaying my house buying process b/c of this. On top of that its very frustrating and causing me XXXX  to deal with this thinking i have to pay for something i already paid for. I keep loosing out on good deals for homes b/c this messed up my scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XX/XX/2023 Wells Fargo consistently charges my account for overdraft fees while I have turned overdraft off when I opened account. Thru the course of my time at wells fargo -years they have consistently had this issue. I keep calling and they refund the money but they still try everything to get that fee. It's gotten so bad I've taken my money out of the account and only deposit when a bill is due. Somehow they keep letting these payments go thru after I've asked them over XXXX times that I don't want overdraft. I only want access to the money I HAVE. I don't want to pay any fee for them holding my money. They should be paying the customers instead they try to extort there customers and rake up the fees. Im also interested in a wells fargo auto loan after seeing they been charged recently with charges about this very same 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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank
State: FL

Complaint narrative:
XX/XX/XXXX I filed a dispute with the XXXX XXXX XXXX agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor First Progress Card sent me a letter stating that it was being removed. and as of XX/XX/XXXX, FIRST CREDIRT PROGRESS WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND XXXX  IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN XXXX  DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america responded and once again said I am at fault, basically calling me a liar and a criminal which I am not. 

My debit plus ect. We're STOLEN BEFORE ANY OF THIS TOOK PLACE. 

bank of america is not fixing the issue correctly... I am currently homeless because of how long this has been ongoing. I am sick.. and need help please. I did not do this. My account was being tampered with. Please help me. 
Back in XXXX of XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, were STOLEN .. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXX of XXXX ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. Bank of america fix this issue and return my funds.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On or about XX/XX/XXXX I received a Costco account at Costco in my home town and they asked me to apply for a Costco credit account which would be beneficial for me to use with 1 %, 2 %, 3 % and 4 % cash back and points options. I did apply and was denied several times during the process. The sales rep at Costco had me retry several times and was stated I was denied citing XXXX report. My husband applied and was immediately granted a credit card through Citi- he has more credit card debt than I have and a lower score. I reviewed a letter I received from Citi stating Unable to approve my application because " My total credit obligations which include outstanding credit lines, are too high to meet their approval guidelines when compared to my stated income ''. THIS IS FALSE AND MALICIOUS AS WELL AS DISCRIMANTORY. I pulled up my XXXX report and my XXXX score was listed at XXXX -well above average of U.S. consumers and that I was an EXCEPTIONAL borrower. There was NOTHING negative, no missed payments, LOW REVOLVING CREDIT USAGE, Long credit history and recent credit usage - all listed under WHAT'S HELPING. Under What's hurting it stated YOU HAVE NO NEGATIVE FACTORS IMPACTING YOUR CREDIT. Once again, None, XXXX negative factors. I believe I have been discriminated against for age and gender and I'm not interested in a credit card with Citi but rather for them to release any and all information on my XXXX credit report and any other credit reporting agency, that shows it will be on my report until XXXX, XXXX. I also want Citi to be held liable for their discriminatory practices. I certainly would understand if there was a reason to deny me credit, which clearly XXXX states there was not. I'm a highly responsible tax paying consumer who has rights to defend myself against a malicious attack against my character. If they can just lie and deny, that should be against the law. Please forward to the Citi, et al., Office of the President, XXXX XXXX XXXX XXXX XXXX  SD XXXX. 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/2023, I was trying to open Bank of america business checking account with {$200.00} cash back bonus. Even when I already have an existing relationship with Bank of america ( credit cards ) -I need to fill up the form all over again. 
After submitting, it gave me the status that they are going to review it. 
Today on XXXX XX/XX/2023, I got a rejection letter? Why it is rejected - no reason provided? Called Bank of America- after multiple transfers - call was dropped.

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