vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I XXXX XXXX I PAID MY XXXX XXXX XXXX FOR THE PASS 15 YEARS I HAVE NOT BEEN LATE NOT ONE TIME THAY TURNER OFF MY CARD THEN THAY SAID THAT I DID NOT PAY THEM PLEASE TAKE THIS OFF MY CREDIT I AM HOMELESS I LIVED IN MY CAR MY CREDIT IS SO BAD NONE OF MY BILLS ARE DO NONE ARE LATE SO WHY MY CREDIT SCORE IS XXXX WHY I CAN NOT RENT A HOUSE ARE A APARTMENT WHY MAKE ALL MY PAYMENTS ON TIME SO WHY AND XXXX XXXX XXXX TAKE THIS OFF MY CREDIT BEEN XXXX OVER XXXX PLEASE NOW!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-27 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: NY

Complaint narrative:
These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
on XX/XX/2024, i called this company at XXXX at the fraud dept and they sent me to a different department and passed me around like I was an old shoe. They are so rude and sent me a letter asking me for information and I followed the letter instructions but they said the case was closed and wanted me to pay for a credit card that I DID NOT OPEN. Their Fraud operations is God awful and they open credit cards for people without getting verification and i tried to tell them that I DID NOT open this credit card. I am asking for help to file a lawsuit against this company because this has happened a second time with I believe it was them before. I am tired of this. All I ask for is peace of mind that they do not open credit cards in my name and remove this credit card off of my profile. Attached are all the letters they sent me plus my ids and bank statements. Please note, my bank statement shows all bills that I pay. Any bills i have gets paid on time and comes out of my XXXX XXXX XXXXXXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
This email I sent to Citibank is a summary of the events : Dear Citibank, I am writing to express my profound dissatisfaction with the handling of a fraudulent transaction on my account and the subsequent customer service experience Ive endured with your XXXX XXXX XXXXXXXX days ago, a fraudulent XXXX transaction of {$4500.00} via XXXX XXXX was processed from my account. Despite the usual rigorous verification procedures for transactions, this one was completed without any such checks. Immediately upon receiving an email regarding this transaction, I contacted your support team to report the fraud. 

Unfortunately, my experience since then has been marked by severe inefficiency and frustration. Over the past XXXX and a half days, I have faced continuous issues including my calls being transferred, placed on hold for extended periods, and in some instances, the calls have been disconnected or dropped, and actually hung up on! I was advised to visit a physical branch, which is impossible given that there are none in XXXX. Other suggestions such as opening or closing accounts have only added to the confusion and dissatisfaction, as I have been told conflicting information regarding these processes. 

A significant problem has been the handling of the " security word '' verification. Despite repeated attempts to provide the correct information, including my mother 's maiden name, the calls were ended abruptly with no resolution. This has left me without access to my account and funds, exacerbating my frustration and sense of helplessness. 

Given these circumstances, I demand the following : XXXX resolution of the fraudulent transaction with a full refund of the {$4500.00}. 
Transfer of my remaining account balance to me without further delay. 
A thorough review and improvement of your outsourced customer service operations to prevent such issues in the future. 
This entire experience has been exceptionally disheartening and has eroded my trust in your institution. I regret to inform you that I will be closing my account and discontinuing any future business with Citibank. 

I expect prompt action and resolution to these matters. Please contact me directly aXXXX XXXX XXXXr this email ( removed ) to confirm receipt of this complaint and to provide updates on the resolution process. 

Sincerely, ( removed ) Case number : ( removed ) XXXX XXXX of my savings acct : ( 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 monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Sent notice to debt collection company asking to validate debt was mine and an agreement with my signature authorizing the release of my personal information to their company, as well as a cease and desist on all communication and collection attempts/activity moving forward. Company failed to vaildate this debt, provide the information requested, as well as remove the account from my credit report with the all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 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: IN

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-27 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: IN

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-27 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-27 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: OH

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This morning, I was disheartened to see unauthorized inquiries on my credit report, with no explanation for how they appeared. When I checked my report, I found discrepancies that werent there before. I even tried refreshing my browser, thinking it was a mistake, but the inquiries were still there. I am asking that the documents I've submitted be carefully reviewed to prevent further worry on my part.

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 2024-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc.
State: MO

Complaint narrative:
Sent company a letter requesting validation of debt, a contract with my signature authorizing the release of my personal and HIPAA information, as well as a cease and desist for all communication moving forward. Company has since failed to provide the requested information, are in violation of HIPAA laws, as well as failed to adhere to requests listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Someone has stolen my identity and was able to open an account in my name and I only found out through my credit monitoring service. When I tried to call I was given limited information but was advised account was closed and a couple months later was notified that someone is still trying to use my information to open another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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:
Subject : Resolution of Billing Error Under USC 1666b and Request for Understanding I am writing to address a recent billing discrepancy on my account with your company, despite the fact that my payments have never been late before. Pursuant to the Fair Credit Billing Act ( 15 USC 1666b ), I am reaching out to you to rectify this matter and ensure that my account reflects accurate and timely payments.

Account Name XXXX XXXX XXXX XXXX XXXX  Please remove late payment from credit report I want to emphasize that I have always maintained timely payments on my account, and this billing error has caused undue confusion and concern.

As per USC 1666b, I am entitled to have this billing error promptly corrected and any related fees reversed. I kindly request your assistance in investigating this matter and adjusting my account accordingly to reflect the accurate payment history.

I value the positive relationship we have established, and I appreciate your attention to this matter. It is important to me that my account accurately reflects my payment history, and I am committed to resolving this discrepancy promptly.

I would be grateful if we could discuss the necessary steps to rectify this billing error and ensure the accurate reporting of my payment history moving forward. Please provide me with the details of the corrective actions taken and the adjustment in my account.

Thank you for your understanding and cooperation in resolving this issue promptly. I look forward to your timely response and assistance in correcting this billing error.

Thank you for your attention to this matter.

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 2024-08-27 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Monterey Collect Services Agency keeps on calling me requesting for me to pay them money. I do not owe them. I never received the service. I never use the service. The amount they say I owe is {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: DE

Complaint narrative:
I have a late payment on my credit report. The late payment is on an old car loan for XXXX XXXX XXXX account number XXXX. The late payment was for XX/XX/year>. I was never late for any payments regarding this account which I also have a letter sent directly to me from XXXX XXXX XXXX ( Creditor ), also confirming that I've never missed a payment which I will include in the complaint. I've also sent the letter that was sent to me from XXXX XXXX to the credit bureaus who still refuse to correct late payment. The letter was sent to me so that I can get late payment corrected by credit bureaus.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I always make my payments on time, so Im confused about why this company is marking me late for certain months. According to USC 1666b, billing errors should be fixed, and my record should show " paid as agreed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have consistently maintained timely payments, so I'm perplexed by an error in my credit report. I seek accurate, updated records that reflect my on-time payments for those 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 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony rewards on my XXXX XXXX are not redeemable on XXXX It shows I still have XXXX rewards when I have an available reward balance of XXXX points. Synchrony only applied a partial credit of XXXX reward points, when they clearly see I have XXXX remaining. I have contacted Synchrony over XXXX times in the last 6 months with no resolutions. Many other people are having this same issue according to online searches and XXXX blames XXXX, while XXXX blames Synchrony. The XXXX XXXX states I am able to redeem the rewards on XXXX, however that is not the case. XXXX shows I have XXXX available reward points to redeem!

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 2024-08-27 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: KY

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 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 2024-08-27 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: KY

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 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 2024-08-27 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: Kashable LLC
State: NV

Complaint narrative:
Hello My name is XXXX XXXX. This account has violated my consumer right to privacy and confidentiality based of the Fair Credit Reporting act. under 15 USC 1681. 
Account name : XXXX with account number 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 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 explanation