vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/year>, my wife and I went to Citizens Bank to deposit a Treasury check into my checking account, and my wife endorsed the check to me. My wife presented her passport card ID, I presented my driver 's license and debit card. The check was deposited into my checking account and I waited patiently for the funds to be available, which I thought would be on XX/XX/year>, because Monday was a XXXX XXXX. On Wednesday morning, XX/XX/year>, I signed on to my mobile banking app and noticed the funds were available. I got into my car and rechecked my mobile banking app to make sure the funds were available and the funds were available. I arrived at Citizens Bank and waited patiently for the bank to open at XXXX XXXX before I walked into the bank, I rechecked my mobile banking app and the funds were available. I walked to the teller and gave her my driver 's license and debit card, I entered the PIN and the teller asked me, how much do you want to withdraw? I told her {$3200.00}, and after a minute or so, the teller told me the funds were on hold. I asked her why are my funds on hold when the funds were available after I checked XXXX before walking into the bank. The funds were available, but after I told her how much money I wanted to withdraw, the teller didn't want to give the money to me. She told me the funds are on hold until XX/XX/year>. When depositing a Treasury check, the funds are supposed to be available the next business day. I never had any issues when I deposit a Treasury check at any other bank and the funds are always made available the next business day. But Citizens Bank didn't follow the rules and wants to hold my check until XX/XX/year> which is unethical. I asked the teller why and other Citizens Bank customer support and supervisor too, but none of them would give me any reason why they are holding the Treasury check for 11 days. I even offered the teller my passport but she said no need to present my passport. Please fix this issue at Citizens Bank because their banking practices are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
not my debt

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 2024-06-01 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: SC

Complaint narrative:
I was added as a authorized user on a XXXX XXXX XXXXXXXX account that was opened in XXXX, but my credit score/report does not reflect it.

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 2024-06-01 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: SC

Complaint narrative:
I was added as a authorized user on a XXXX XXXX XXXXXXXX account that was opened in 2001, but my credit score/report does not reflect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: IL

Complaint narrative:
FCRA 605B, as I understand it, necessitates the removal of any erroneous accounts from my credit report. Could you look into the documents? There are inaccuracies in the reporting, amounts, and dates of some 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 2024-06-01 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: IL

Complaint narrative:
It seems that FCRA 605B requires the removal of any inaccurate accounts from my credit report. Could you check the documents? There are discrepancies in the reporting, amounts, and dates of some accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had a XXXX XXXX XXXX loan with XXXX XXXX XXXX and I set up auto payment monthly. Last XXXX the car was total loss. My automatic payment stopped somehow after making payment in the end of XXXX when I was outside of U.S. The XXXX XXXX XXXX XXXX XXXX XXXX had issued the balance check to XXXX in XXXX. But for some reason XXXX didn't received it then the insurance company re-issued and XXXX  received and deposited which made my balance XXXX. 
But when I came back I found that my credit score was severely decreased because of the earlier delinquent amount. I never stopped the payment. I don't know who stopped the payment without notification. I mailed XXXX  about the dispute 20 days ago and got no response until now which affected my application for mortgage recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Credit card opened without my consent due to identity theft

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 2024-06-01 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: NJ

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-01 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

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 2024-06-01 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. the following account number : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I have reached out to XXXX  XXXX XXXX to try and resolve the unpaid status of the account, but when I spoke to numerous representatives via phone, I received the same answer that there was no amount owed on the account. Ive also made 4 attempts to receive an official letter from XXXX  XXXX XXXX stating and showing my status with the bank and they have failed to provide me with one. As of XX/XX/XXXX, XXXX  XXXX XXXX has told me that I have no amount of money owed to the bank and I would like my status of unpaid be changed. Im requesting the following information be updated from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-06-01 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: NJ

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-06-01 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

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 2024-06-01 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: TX

Complaint narrative:
I trust this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing presence of fraudulent items despite our repeated attempts to address this issue. Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued infiltration into our system. I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or loopholes that may be exploited by perpetrators of fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. Additionally, I urge you to prioritize staff training and awareness programs to ensure that all team members are equipped with the knowledge and skills necessary to detect and respond effectively to fraudulent activities. Clear accountability measures should also be established to hold individuals responsible for any lapses or oversights in this regard. With this, I am asking for your assistance to remove these fraud items in my credit file : Please help me remove this items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-06-01 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:
3rd party collections company went out of business and the item in question has been verified and confirmed by XXXX and XXXX as invalid due to invalid date among other issues please remove item as agreed ASAP

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 2024-06-01 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: NJ

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 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: WI

Complaint narrative:
I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

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 2024-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
15 U.S. Code 1692c - Communication in connection with debt collection - Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is not my debt to pay and they wont stop contacting me to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My minor child received gift cards from a program he was in. The gift cards were fully used. I had to return a defective item and a refund was issued to the card. When I attempted to use the card, it was denied. I tried to login online to check it and couldn't. I called and was told it would be escalated and a check issued for any balances. I haven't heard back. I called XX/XX/XXXX and spoke with XXXX who said he couldn't help me as he would need to speak with my child. When I called my child over to the phone, he hung up. I called back and he spoke directly to my son, stated my son couldn't give me permission to speak on his behalf and when he was advised again that my child was a minor, he said he couldn't help him over the phone and hung up. I just want the balance mailed to me as promised.

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 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Between XXXX | was notified that a collection from SECURITY CREDIT SERVICES was removed from my credit report, almost immediately after, that same collection was added back onto my account, dropping my credit score significantly. This collection was removed because the company violated my rights by report debt to my credit without my permission in the first place. I need this collection removed PERMANENTLY from my account, as it is hindering me from obtaining credit and buying a house. Thank you.

Company response to consumer: Closed with explanation