vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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 am writing to dispute an unauthorized inquiry listed on my credit report. I have no recollection of initiating any business or financial transaction with the listed creditors that would warrant an inquiry on my credit report. As such, I believe this inquiry to be unauthorized and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: LA

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2024-03-21 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I noticed on my credit report recently that my account with Wells Fargo was closed with the notation " Closed by Consumer ''. I at no time elected to close this account. I also disputed this closure through both XXXX XXXX and XXXX, as my credit report now contains factually inaccurate information. The result of both disputes was the information was " correct ''. 

On XX/XX/24, XXXXXXXX XXXX XXXX XXXX ) I contacted Wells Fargo to see what was going on. I was told by " XXXX '' that my account was closed due to " inactivity '' on my account, which was allegedly contained in the credit agreement. I asked " XXXX '' how " closed due to inactivity per card agreement '' translates to " closed by consumer ''. " XXXX '' could not answer this question, so I asked for a supervisor. I was transferred to " XXXX ''. 

" XXXX '' told me the same thing. When I stated that I never closed the account, why is it being reported that it is " closed by the consumer, '' she told me, " That is just the way it is. '' At no time did Wells Fargo ever tell me that this account was in danger of closing, nor did offer to provide a copy of the credit agreement. In addition, as I mentioned earlier, I never requested that this account be closed. Therefore, I request that this inaccurate information be removed 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 2024-03-21 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I making a complaint about American Express I was denied credit even though I gave them a security with my SIGNATURE and SSN giving them something of value for them to make money off of. According to the 12 CFR PART 1002 equal credit opportunity regulation, B being discriminated against and being denied line of credit. 12 CFR 1002.7 rose concerning extension of credit. ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. Also sent a letter referring to the prospectives indenture agreement that they have with the trustee on the securities exchange commission using their words stating that a XXXX score is determined why I got denied but the prospectus states it should not determine someones credit worthiness of receiving a line of credit because its inaccurate. Ive sent the companies letters notarized, telling them that its against the law, and I know my rights as an investor. Theyre making money off of my security/receivable and turn around and tell me Im denied to get a credit card went on the prospectus it shows how the security is being moved according to the pulling and servicing agreement that they have on file. Im making a complaint, but Im also going to submit a complaint to the securities exchange and the IRS for securities fraud. I gave them a Security, which is an eligible receivable. There is no reason for me to have been denied a credit card. I havent heard anything from the company so now I will get a certified forensics auditor to show how much theyve been selling my security on the XXXXXXXX XXXX XXXX XXXX Which is states that they would not sell on the secondary market, being a MORTGAGE BACKED SECURITY after I signed the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: MI

Complaint narrative:
XXXX XXXX acctXXXX I previously sent a verification letter via certified mail regarding inaccuracies on my credit report. Despite their form of verification, the attached screenshots indicate the information remains inaccurate. This persistence is a direct violation of Title 15, Section 1681 of the Fair Credit Reporting Act ( FCRA ). I urge immediate correction of this error as mandated by federal law to uphold the accuracy and integrity of consumer credit reporting. Your swift attention to this matter is greatly appreciated.

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citibank failed to credit the account the bonus for the Enhanced Direct Deposit Offer. In opening and funding the account starting in XX/XX/XXXX, I relied on their mailing and email offers and complied with those terms which should have resulted in a {$200.00} account credit some time ago. 

For example, the Citibank of email of XX/XX/XXXX with the Subject line XXXX, Congratulations on enrolling in the Enhanced Direct Deposit Offer stated in relevant part : to earn your {$200.00} cash bonus, make sure to complete at least two ( XXXX ) Enhanced Direct Deposits totaling {$1000.00} or more within the first 90 days of opening your eligible account. XXXX deposits that together satisfied these terms were made on XX/XX/XXXX and XX/XX/XXXX. The email stated that the cash bonus will be credited to your eligible checking account within 30 days from the date you complete all Required Activities. 

In my first attempt to resolve this matter with Citibank, I initiated an online chat on XXXX XXXX, XXXX. The chat session lasted over half an hour before the chat was unceremoniously ended by Citibank without warning and without Citibank addressing the issue. 

I then sent Citibank a letter also on XXXX XXXX, XXXX via certified mail and which was delivered on XX/XX/XXXX to once again bring this problem to its attention. Citibank replied seeking more details on the offer, which I promptly sent. 

In a letter dated XX/XX/XXXX, Citibank falsely claimed that " " Checking Accounts '' must be opened in a physical branch or over the phone with a physical branch employee '. No such requirement was in the previous offer by Citibank. This is clearly fraud. 

In this time frame, I removed all funds from the account and on today 's date it reflects a negative balance for reasons not apparent to me.

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 2024-03-21 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: NC

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
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 non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed.

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 2024-03-21 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: FL

Complaint narrative:
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 explanation
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX last year, I opened my bank of american account. 
Half year later, I opened my credit card. But things happens then, bank american has a bug in their system which accidently link my credit account to my sister 's accout, and they baned my account after my sister report someone using her credit. 
Then, I went to bank serveral times, and spend a lot of time deal with this. The bankers in XXXX also help me a lot. They try to call their manager and supervisor department to help, but they just can't solve my problem. 
Later, they told me my case was sent to fraut department and have to wait for their response. For me, it was very unreasonable. 
Then I look for help from cfpb. Soon, the bank called me, and told me I can go to the nearest bank and get my money back by verify my identity. 
XXXX weeks ago, I went to bank and asked for the money. They told me just wait for the check coming to my mail box. 
Now, I only received XXXX mail, XXXX about my account is closed and money was reduced, another is said I can get the money from bank. But when I went to the bank, the banker told me I might have to wait more than XXXX year to get my money back!!! 
The bank stolen my money by their mistake, and let me wait for more than XXXX year!!!

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 2024-03-21 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-21 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: LA

Complaint narrative:
XXXX XXXX overcharged me on a car loan with them in XXXX  when I first started with them. they were reporting last payment on my credit even when I paid them which caused my credit so go down. the loan that was financed was double what the vehicle was for. i reached out to XXXX XXXX to verify the information and was told the information would be sent to me via mail. never received anything. they are still reporting incorrect loan amouth and days paid on 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 explanation
Consumer complaint received 2024-03-21 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: LA

Complaint narrative:
I found there are some unathorize hard inquiries on my credit report that I did not authorize. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I didn't give written permission to have these inaccurate accounts furnished on my report as per 15 USC 1681-a2, 15 USC 6802 b

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 2024-03-21 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: LA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-03-21 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: LA

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-03-21 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:
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 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: OH

Complaint narrative:
When charges first noticed XXXX statement immediately contacted company to report it was not I that made transaction the emails that were provided were not my emails there were XXXX different emails and the product was mailed to location in Texas. I do not live in Texas nor have lived in Texas There multiple transactions for same company and we never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a security freeze, but can not find my PIN. I also have an updated address. I need the address updated and the PIN sent to my new address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: FL

Complaint narrative:
I am writing to dispute an unauthorized inquiry listed on my credit report. I have no recollection of initiating any business or financial transaction with the listed creditors that would warrant an inquiry on my credit report. As such, I believe this inquiry to be unauthorized and inaccurate.

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