vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Experian. Please delete the following accounts : XXXX XXXX XXXX ( account number XXXX ), XXXX XXXX XXXX XXXX ( account number 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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all 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
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am writing to register a formal complaint against Citi Bank for the illegitimate closure of my recently opened CitiBank AAdvantage XXXX Credit Card. 

I applied for and was approved for this card at the end of XX/XX/2024. Since receiving the card, I have complied with all terms and conditions and have not received any prior warnings or notifications regarding my account being in jeopardy. Much to my surprise, today-XX/XX/2024-I found that Citi Bank has closed my account without giving any explanation or reason.

When I spoke with Citi Bank today and asked for an account manager, they could not explain why the account was closed. The manager explicitly expressed that the account closure " does not make sense, '' again highlighting that there is no valid reason or clear communication for this decision. 

What makes this even more vexing is that, by the time the card was closed, I had already spent {$7000.00} on it, meeting its spending requirement for the sign-on bonus. This sudden closing seems to be a false and misleading business practice that could also be a CFPA violation under 12 U.S.C. 5531, since it prohibits any act or practice in connection with any consumer financial product or service that involves unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

This act has dislocated my business, disrupted my credit profile, and more importantly, has eroded trust in Citi Bank as a house. What is worse, however, is that without providing a clear explanation or even allowing me a hearing of my alleged concerns, a failure to apply the basic principles of fairness and accountability has occurred. 

I request the immediate reinstatement of my account. It is not only against basic notions of equity but also possibly in contravention of the responsibilities imposed on them by consumer protection laws. In case Citi Bank feels that this closure was justified, I hereby request a detailed reason, quoting correctly any violation or terms on which such an action was based. 

Furthermore, I am asking for : The immediate reopening of my account. 
A complete investigation into the unjustified account closure was in order. Assurance that this incident in no way affects my credit report or, indeed, any business operations. Immediate action to ensure the sign-on bonus I had qualified for. I view this situation as an unfair and deceptive practice that is contrived to deny me benefits under the credit card agreement. I request the CFPB 's assistance in investigating and resolving this matter promptly. 

Please feel free to contact me if further details are required at XXXX or XXXX. 

Thank you for your time and attention.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: OR

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: IN

Complaint narrative:
The company did not verify any debt or show permissible purpose for the hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: DISCOVER BANK
State: GA

Complaint narrative:
I was scammed as part of a bigger scam to sign for a 30 year Discovery Home Loan with monthly payments of {$720.00}. The scammers told me I won a class action settlement of $ XXXX. After paying for several fees : XXXX, intermediary bank fees, fincen fees, armored car fees, excise tax, all totaling, by the scammers about $ XXXX. After paying the numerous fees, they told me that I qualify for a debt relief program. They got into all of my credit cards and increased limits, took out a XXXX XXXX XXXX and the Discover Home Loan. Signing for that loan would qualify me for the total debt forgiveness program and that after the closing, the debt forgiveness money will be deposited into my truist account. It never happened. I never got the debt relief funds, never got the settlement funds, never got the credit cards paid off. All I got is XXXX plus credit score, credit card debt and loan debt. All of my savings are gone and then the company closed its doors in XXXX of XXXX. 

I have filed a FTC Report, a Police Report, a Federal Reserve Consumer Report, and a XXXX report. The Discover XXXX XXXX funds were deposited into my XXXX XXXX account on or about XXXX of XXXX and then the funds were immediately sucked out. 

Note : While I signed for the loan, Discover Home Loan received and processed all paperwork without my knowing and allowed the loan to go through. Discover Loan accepted qualifying documents that I did not submit. I don't have money to pay for the loan and its not fair for me to be stuck with this loan for the next XXXX  years. Please help. 

Note : Some of the prior boxes did not fit my loan description or problem. 

I DID SIGN FOR THE LOAN NOT KNOWING IT WAS A SCAM AT THAT TIME, BUT DISCOVER HOME LOAN SHOULD HAVE CHECKED TO SEE THAT MY IDENTITY WAS STOLEN. I PERSONALLY DID NOT SUBMIT PAPERWORK. DISCOVER SHOULD HAVE KNOWN, THE SCAMMERS USED THE WRONG EMAIL ADDRESS, XXXX XXXX XXXX instead of XXXX. And, I Never spoke to anyone at discover. XXXX should have someone known the loan was a fraudulent loan. If Discover had denied the loan, I would not have been scammed by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. 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 : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX TransUnion : XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. 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 : XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX Equifax XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: DE

Complaint narrative:
I am reaching out for help regarding the incorrect account listed on my credit report. This issue has affected my reputation as a customer, and I would appreciate your support. These accounts should be removed because they are reported inaccurately and harmfully.

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 2024-11-22 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: NV

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I contacted the U.S. Bankruptcy Court via telephone to inquire about their method of verification regarding information provided to credit reporting agencies. During the call, the court confirmed that they do not verify or communicate any information with credit furnishers or reporting agencies. On the same day, I also sent a letter to the court to document this inquiry. 

The inclusion of bankruptcy-related information on my credit report violates Rule XXXX  of the Federal Rules of Bankruptcy Procedure, 15 U.S.C. 1681 under the Fair Credit Reporting Act ( FCRA ), and 15 U.S.C. 6802 under the Gramm-Leach-Bliley Act. These laws and regulations collectively require the protection of personal information, the accuracy of credit reporting, and proper handling of consumer data. The reporting agencies have failed to conduct a thorough and reasonable investigation, as required by the FCRA, to ensure the accuracy of the information reported. 

As the inaccuracies have been identified and can not be verified through proper channels, I am requesting that the inaccurate bankruptcy-related information be deleted from my credit report as a form of correction. Failure to address these violations will leave me no choice but to seek legal relief to enforce my rights under these laws and regulations. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC
State: MN

Complaint narrative:
i tried cashing my check at XXXX and certegy rejected it without a reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MO

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

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