vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was booking a flight and applied for the Citi card on that was cross marketed on XXXX XXXX website. It stated {$200.00} credit and XXXX miles if you apply and use your card on the flights. I was instantly approved but when I went to book it said I couldnt because of the temporary credit limit. I called both XXXX XXXX and citi customer service and nobody could help they said I had to wait until the card came to book it due to the total price being over the temporary credit limit. Now the flight went up by like XXXX bucks! And XXXX XXXX cant adjust the price. This needs to be rectified because now the statement credit i applied for in the first place doesnt even make a dent because the price went up so much. I tried on multiple occasions to rectify and Citi actually confirmed they dont disclose that you cant use the full credit limit when you apply. My temporary limit was XXXX and the flights were XXXX and now they are XXXX! They wouldnt even raise temporary limit on the day of application to facilitate the purchase. I feel I was bated into applying for a card for a promotion that wouldnt actually make sense once I was actually able to use the card to complete my purchase.

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 2024-03-12 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 have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
TD Credit Card Former CC user - no issues took advantage of 0 % interest period promo Cancelled card a few years ago Received an pre-approved invitation to apply on XX/XX/XXXX and denied on XX/XX/XXXX. 

REASON : INSUFFICIENT CREDIT HISTORY REPORTED IN THE LAST 6 MONTHS. 

I am XXXX and have had credit as old even before XXXX. Always paid on time, never late. Every active 0 % promo CC is under 30 % ; and under 16 % of all CC under my name. 

I am claiming age discrimination and yet XXXX on XXXX XXXX is XXXX - no car loan, no mortgage. I use CC only 0 % promo cards under a XXXX of credit limit and treat each card as if a balloon loan and payoff the final balance when the promo expires - paying no interests or late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
Radius Global never sent my a 5 day notice notice before placing this collection on my credit report. This is a violation of the FCRA and my customer rights. 

If you believe you sent me the 5 day notice then produce the certified XXXX receipt with my signed signature showing I received your companies notice if not delete this account immediately.

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 2024-03-12 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: SC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

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 2024-03-12 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: WI

Complaint narrative:
Ive requested that my credit report be updated all bureaus of correct balance and positive payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX and Early Warning Services are illegally sharing my Transaction history without my permission or without sending proper contracts to opt in or out the sharing of my personal information. After recently getting denied for multiple bank accounts I looked into pulling my Early Warning report and realized that they were in complete violation of US code and disobeying acts set in place to protect consumers such as myself ( I will list the codes and act below ). I realized the denials we're made because of the sharing of my information with XXXX XXXX and XXXX XXXX in which I don't have any contracts with same with Early Warning Services. XXXX XXXX  XXXX has violated my privacy on 125 different transaction just as Early Warning service done as well on 2 separate occasions. The code and Act listed : 15 U.S. Code 6802 15 U.S. Code 6805 12 CFR 1016.10 Privacy Act of 1974 5 U.S. Code 552

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I have been having issues with my student loan lender, Mohela. On XX/XX/XXXX of XXXX, I received an email from them stating that my account was placed into administrative forbearance between XX/XX/XXXX to XX/XX/XXXX. They defined this as I was not required to make any payments during this time ; payments that were made could be either applied to future payments or be refunded. On XX/XX/XXXX, I called to see if this could be applied to my XXXX payment to which I was told this was not possible since I had called the day payment was due ( I ended up paying the full amount for XX/XX/XXXX ). However, I was confirmed by the agent that I could use this to fully cover my XXXX payment and to partially cover my XXXX. In XXXX I received correspondencethat I was late on my payment, which was confusing because I had previously confirmedwith an agent that what was paid during the administrativeforbearancewould be applied to said payments. I called again and was told that this would be corrected. It is now XXXX and this has yetto be resolved. I've been attempting to call them multiple times today which led to no answers due to being put on hold over and over. My final call resulted in briefly speaking to an agent in which she said she would connect me with the appropriate department. After waiting over an hour on hold, the system directs me to a survey of their services. My issue has not been resolved and I've attempted to contact the lender multiple times to do so when it is their fault I am in this predicament. As most people, I have limited availability during which I can call them to resolve this. I'm not sure what else to do other than continue calling and file this complaint. Any insight would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: SC

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated ( " DATE OF PREVIOUS LETTER '' ) but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX, XX/XX/XXXX I deposited a third party check to my checking Chase account, check was pending and afterwards account was restricted. This check is under my boyfriends name and we forgot to double endorse the check with both signatures. Unfortunately Chase is withholding my boyfriend check and not releasing it. This is a tax refund check from the IRS, I spoke to the IRS and they told me Chase has to release this check because its a legal check. I contacted Chase more than XXXX times, problem is they want to verify this check with my boyfriend phone number which is activated and registered to him. Chase keeps saying this phone number is not registered with my boyfriend name but we have proof with XXXX XXXX  his number is under his name and its activated. Every time I try to contact Chase bank I have different kind of response when I ask how to remove the restriction which I dont know whos the one lying to me. Either customer service is not compatible with their clients because every customer service has different response. I dont know who to believe. I dont trust the Chase bank anymore. This check is a really big amount of my boyfriend check from his tax refund and we could verify it with his social security, passport anything from the government file we have and Chase just wants to hold our money just because of a phone number. I have been to XXXX Chase branch and they still wont give me my money. Even went with the owner of the check to the branch and still doesnt want to release the money thats in my account. How am I or my boyfriend supposed to survive without having this check and me without having my money in my Chase account. We have things to be payed, necessities, emergency things and important stuff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$14000.00}.

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 2024-03-12 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: CA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$14000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the bankruptcy listed on my credit report. After reviewing my credit report, I have noticed that there is a bankruptcy filing reported under my name. However, I assure you that this information is inaccurate, and I request its immediate removal from my credit report. Bankruptcy 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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The EQ Score is not displayed on my credit report despite two updates. This omission raises concerns about the accuracy of the report, potentially impacting my eligibility for future loans. I kindly request your assistance in rectifying this issue promptly to ensure a smooth loan application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I disputed this collection last month, after disputing this. It was taken off my credit report then re added to report. This collection isnt mine. Id like the harassment to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX Balance : {$6700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems never sent my a 5 day notice notice before placing this collection on my credit report. This is a violation of the FCRA and my customer rights. If you believe you sent me the 5 day notice then produce the certified XXXX receipt with my signed signature showing I received your companies notice if not delete this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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:
I am a victim of data breach someone use my credit to try to apply for credit cards. I have sent this documentation and several times to equifax and nothimq has been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: NV

Complaint narrative:
I recently pulled my 3 consumers reports and seen unauthorized inquiries placed on my consumer report. In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates! I didn't give XXXX, Transunion or XXXX written consent to report the these inquiries. 

I also didn't authorize these banks or vendors to furnish this data on my consumer reports. In accordance with the FCRA, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
reported me as deceased for two years and then gave me missed payments while I was still labeled deceased. They also can not tell me What this card was used for and when it was used to have this balance. I asked for the information and they still have not furnished it and still up until a week ago had me as deceased in their records which has caused me declined applications or fair credit rates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
Consistently, I've made sure payments on this account are timely, preventing any from becoming overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Inaccuracies in XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I checked on my XXXX account after receiving notification that my credit score dropped a lot. I saw there was a collections agency called IC Systems Inc trying to collect on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account owes {$2900.00}. I filed a complaint via XXXX XXXX XXXX and now have a credit lock and identify fraud alert on my account. I do not know what this account is and I do not have my own XXXX account. There is also a Georgia address attached to this account that is also being removed. I have tried to call the debt collections agency several times and no one picks up.

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