vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
While paying my Citi XXXX  credit card monthly bill online in XXXX, I received an alert indicating that I was eligible for a credit line increase for which I decided to apply. The application was declined. I then received the above-mentioned letter from Citi XXXX  XXXX copy enclosed ) indicating that the reason for the decision was based singularly on number of accounts with delinquency I diligently keep track of my payments and ensure that they are paid on time. This was confirmed by my XXXX Credit Report which indicates XXXX  % Payment Made on Time. I have enclosed a summary of my XXXX Credit report documenting this. I then contacted XXXX and spoke to a representative who indicated that, except for high balances, I had no current delinquencies. XXXX opened dispute # XXXX, and the results indicate high balances ( which I expected due to medical bills ), however no delinquencies are reported. 

I contacted Citi Bank XXXX customer service on XX/XX/year>, for their assistance with correcting my account t and spoke with a representative named XXXX who instructed to send my request in writing to Citi Bank XXXX Credit Bureau XXXX which I did in XXXX. I received a response via a letter dated XX/XX/year>, asking me to complete an included form to provide additional information assist them with researching my dispute. I returned the completed form along with the results of the XXXX dispute # XXXX ( enclosed ) confirming that all the accounts incorrectly flagged by Citi XXXX  were Paid as Agreed. 

Instead of correcting my credit record, on XX/XX/year>, Citi Bank XXXX Sent me another letter dated XX/XX/year>, with the same form requesting the same information that I had already provided to them back in XXXX. To date, my credit record has not been corrected by Citi Bank 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am disputing inaccurate personal information on my credit report based on the following legal violations : 1. FCRA ( 15 USC 1681 ) Violations : Section 1681e ( b ) : Failure to maintain accuracy Section 1681i ( a ) ( 1 ) : 30-day investigation requirement violated Section 1681i ( a ) ( 5 ) : Failure to delete inaccurate information 2. Privacy Act ( 5 USC 552a ) Violations : Section 552a ( e ) ( 5 ) : Maintaining inaccurate records Section 552a ( d ) ( 2 ) : Denying amendment rights Section 552a ( b ) : Unauthorized disclosure 3. CFPB Regulation Violations : 12 CFR 1022.42 ( a ) : Failure to maintain reasonable procedures 12 CFR 1022.43 ( e ) : Inadequate dispute investigation CFPB Bulletin 2013-09 : Investigation timing requirements not met The only accurate personal information is : Full Legal Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Employment : Self Employed Previous Employment : XXXX Any other variations of my personal information are incorrect and violate these statutes and regulations

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to address the unexpected and unjustified closure of my Chase Sapphire credit card account. On XX/XX/year>, I received a certified letter stating that a payment of {$12000.00} was made to this account using an unauthorized checking account that I do not own. Furthermore, fraudulent charge attempts were made on the card after this unauthorized payment. 

I was not notified of this payment or the fraudulent activity until after my account was closed, nor was I provided an opportunity to respond or clarify the situation. As a loyal Chase customer of nearly 20 years with an impeccable payment history, this action is deeply concerning and unacceptable.

Violations of Consumer Rights This closure violates my consumer rights under federal law : Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, Section 602, I have the right to privacy regarding my credit information. The abrupt closure of my account without prior notice infringes upon this right.

Fair Credit Billing Act Under 15 U.S.C. 1666B, a creditor may not treat payments as late if they were made on time. I have never missed a payment or caused a late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: IL

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their mishandling of a collection dispute I re-submitted on XXXX. I have submitted numerous times previously but I am not able to pull dates online as they are not able to be viewed online. 

I have a collection account listed on my Experian credit report from XXXX XXXX XXXX for {$XXXX}. I believe this collection is inaccurate and should be deleted from my report for the following reasons : Incorrect dates or amounts Payments not reflected Debt not legally enforceable Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community XXXX. In that email, the community XXXX authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of XXXX XXXX : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$XXXX} late fees are valid. The imposition of daily {$XXXX} late fees for a period of XXXX  days ( totaling {$XXXX} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable XXXX  law. As such, I am not obligated to pay these charges. 

Other Discrepancies : The total outstanding balance of {$XXXX} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

I have provided Experian with a lease, a document of charges including charges that are not legally chargeable, proof of inaccurate dates listed, and proof deposit was never credited to the final balance. Despite submitting this evidence, Experian has maintained that the collection is valid. I believe Experian is not conducting a thorough investigation of my dispute and is failing to properly review the evidence I have provided. 

I request that the CFPB investigate Experian 's handling of my dispute and take appropriate action to ensure they comply with the Fair Credit Reporting Act ( FCRA ). I also request that Experian be required to delete the disputed collection from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used the bill pay service of XXXX Bank to pay a bill due to XXXX XXXX ( {$XXXX} ). 
The {$XXXX} was taken from my account on XX/XX/year> and according to XXXX Bank, their check cleared on XX/XX/year>. 
On XX/XX/year> XXXX  informed me that the check was deposited and then withdrawn from their account at Wells Fargo. The reason given by Wells Fargo was " refer to maker ''. 
I have a copy of the cleared check, drawn on Wells Fargo and a written statement from XXXX that this check cleared and was paid. 
Twice I called the number on the check for " payment processing center '' and they connected me to XXXX Bank the first time and Wells Fargo the second time. In both cases this was simply the general toll free number of those banks. Ally was helpful and sent me information. The automated Wells Fargo system did not seem capable of connecting me to a person and eventually hung up on me. 

As far as I can tell " payment processing center '' is neither XXXX nor Wells Fargo and deflects all questions about these payments they supposedly process.

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 2025-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
We had a mortgage with XXXX Bank and established an escrow account to cover our homeowner 's insurance and tax payments. However, XXXX Bank sold the mortgage to Freedom Mortgage without our consent. We received a letter dated XX/XX/year>, notifying us of this sale. The letter states that XXXX Bank will transfer the required insurance provider information to FREEDOM MORTGAGE CORPORATION, and they will notify your insurance provider of the transfer. 

On XX/XX/year>, our annual homeowner 's insurance payment was due. The balance in our escrow account was over {$XXXX}, which was more than sufficient to cover the payment. However, on XX/XX/year>, I discovered that our homeowner 's insurance policy had been canceled due to non-payment. As a result, I spent XXXX days away from work trying to recover the existing policy, but I was denied reinstatement because of a claim I made in XX/XX/year> regarding a neighbor 's tree that fell onto my detached garage. 

Eventually, I found a new insurance company willing to provide us with coverage, but this policy cost nearly XXXX  % more than our original one. 

Since then, I have received letters from Freedom Mortgage stating that if I do not provide proof of insurance for the period between when my original policy lapsed and when I obtained a new policy, they will require us to pay for a forced policy covering XXXX  days from XX/XX/year>, to XX/XX/year>, which would amount to {$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 2025-01-08 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: AZ

Complaint narrative:
To : [ Creditor Name or Credit Bureau Name ] Subject : Request for Permanent Deletion of Fraudulent Accounts To Whom It May Concern, I am contacting you regarding XXXX fraudulent accounts that are inaccurately reporting on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank These accounts were fraudulently opened in my name without my consent. I have an identity theft police report from my local police department and a notarized FTC Identity Theft Affidavit substantiating that my identity was stolen. 

My credit was compromised due to major data breaches, including the XXXX breach and the XXXX XXXX XXXX breach, which exposed my personal information to unauthorized parties. As a result, fraudulent accounts were opened under my name. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I have the right to dispute and permanently delete any fraudulent accounts resulting from identity theft. I formally request that these accounts be immediately investigated and removed from my credit report.

To aid in your investigation, I have included the following : A copy of my identity theft police report A notarized FTC Identity Theft Affidavit I request a written confirmation once these accounts have been permanently deleted and my credit report has been updated. Failure to address this matter appropriately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, 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 2025-01-08 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: 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 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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Sparrow Financial, Inc.
State: IL

Complaint narrative:
XXXX credit card : This company does not have autopay and they are charging {$XXXX} late fees on a balance of {$XXXX}. On the XXXX I went to make a payment and the system wouldnt let me make a payment and I also noticed that there were XXXX charges on my account that were not mine. So I waited a few days and I called them to let them know that I needed to dispute charges. The amount I owed with the late fee and the balance was {$XXXX} I disputed the charges and asked them to wave the late fee which is absurd at {$XXXX}, especially on such a small balance and also with them not having autopay which Im sure they are counting on. ( Very predatory ) and she said she would. I then was told to wait until the account resets after the late payment was taken off along with the XXXX charges, so I did. The next day I checked the balance and what payment I had to make and the new minimum amount owed was now {$XXXX}!!! 
I called again, and they told me that that was the new payment because I was now due for XXXX. XXXX date is XX/XX/XXXX. They doubled the minimum amount due and didnt wave the late fee which I was told would be fine because the only reason it was late was because the system wouldnt let me pay it, and I saw charges that werent mine. So they are charging high late fees, they dont have the system available during a time when charges are due, and the are charging a full XXXX weeks ahead of time as a minimum due. So what if someone sees a minimum due of triple what it should be and just panics because its not in budget? That along with high late fees, and a broken system for taking payments and no autopay makes me feel like they are purposefully being predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc.
State: LA

Complaint narrative:
I purchased Tomo credit to receive a credit card and credit booster for my credit report they ran a vip promotion where they sent me countless emails and I thought I give them a try since the purchase almost XXXX weeks ago if not longer now I can not get into contact with anyone on the phone I have screenshots where in ther private portal no agents are available at any time of the day to receive questions or answers for customer service also they disconnected the Tomo credit card which was the whole reason I wanted this service on top of that the boost was supposed to give be a credit builder I have heard nothing or talked to no one and website needs update plus they send me email still as of I have not brought the product at this point I think this company is a scam and something needs to be done about it because they are scamming people of of there information as well as money and I am getting my refund back and letting you know about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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:
A Bank XXXX XXXX account transaction has appeared on my credit report. The transaction is the result of identity theft. I have no knowledge about the crime. All I know is that the transaction does not relate to me. I have already filed a police report and identity theft report for the crime. I sent a notice dated XX/XX/year> via the mail to inform Equifax about a crime that has taken place and to block and permanently remove the transaction from my credit report. Unfortunately, I have not received a valid response from Equifax. I am seeking redress for my instructions to be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: DC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccur

ately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need 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 2025-01-08 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation