vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: TX

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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: TX

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. I told XXXX, XXXX XXXX equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
im a victim of identity theft pursuant to FCRA SECTION According to 15 U.S.C. 1681c-2, I am entitled to request that you block the reporting of any information that is a result of identity theft. I expect that you will complete this request within the required timeframe of four business days. According to the Fair Credit Reporting Act ( FCRA ), Section 605B requires consumer reporting agencies to : Block fraudulent information Within four business days of receiving the required information, block any information in a consumer 's file that the consumer claims is the result of 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 2024-11-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
im a victim of identity theft pursuant to FCRA SECTION According to 15 U.S.C. 1681c-2, I am entitled to request that you block the reporting of any information that is a result of identity theft. I expect that you will complete this request within the required timeframe of four business days. According to the Fair Credit Reporting Act ( FCRA ), Section 605B requires consumer reporting agencies to : Block fraudulent information Within four business days of receiving the required information, block any information in a consumer 's file that the consumer claims is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding my student loans for attending the XXXX XXXX XXXX XXXX XXXX which was recently found to have engaged in fraudulent practices, misleading students about career prospects and causing significant financial hardship. I attended the XXXX XXXX from XXXX to XXXX, a period that falls within the timeframe covered by the recent debt relief announcement. However, because I consolidated my federal loans into private loans through Citizens, I am currently excluded from the {$6.00} XXXX in automatic relief granted to other borrowers. 

After completing my studies, I consolidated my student loans from federal to private through Citizens and have made consistent, on-time automatic payments since XXXX. My outstanding balance remains at {$16000.00}. I believe I should be eligible for the same relief as other former XXXX XXXX students due to the institution 's documented fraud and misrepresentation, which was confirmed by the Administration 's recent relief actions. 

Key Points : - **Enrollment Period and Relief Announcement** : On XX/XX/XXXX, the XXXX XXXX announced the approval of more than {$6.00} XXXX in automatic relief to nearly XXXX borrowers who attended any XXXX XXXX XXXX from XX/XX/XXXX, through XX/XX/XXXX. My attendance from XXXX to XXXX falls within this relief period. 
- **Debt Consolidation and Consistent Repayment** : I consolidated my federal student loans into private loans through Citizens and have made consistent, on-time payments since XXXX. 
- **Outstanding Balance** : As of now, I owe {$16000.00} for a degree from an institution deemed fraudulent, yet I am currently ineligible for the recent forgiveness due to my loan consolidation. 

The XXXX XXXX misled students, falsely advertising the value of its education and luring us into debt without delivering on career opportunities. My situation, like that of other defrauded borrowers, has resulted in significant and ongoing financial hardship. 

Request for Relief : Given the Administration 's relief announcement for XXXX XXXX borrowers during my period of attendance, I respectfully request the same forgiveness consideration extended to those with federal loans. I seek to be released from my remaining balance to achieve equity with my peers who were also impacted by the XXXX XXXX fraudulent practices. 

Thank you for reviewing my situation. I believe in fair and equal treatment for all affected borrowers, regardless of loan type, and I hope my request can be fully considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, an unexpected {$10.00} " Transaction Fee '' was charged to my account. 

On XX/XX/year>, I called Chase to inquire about this fee. I was told the fee was for a " cash advance or money transfer '' that I had conducted through XXXX in the amount of {$100.00} sent to XXXX. I advised the representative that I never engaged in a money transfer ; the purchase was a goods and services transaction for a purchase from a website I was told that XXXX submitted the charge as a money transfer, so I would need to call them. 

On XX/XX/year>, I called XXXX to ask why the charge was submitted as a money transfer rather than goods and services. XXXX advised me that the charge was submitted correctly as goods and services and that the issue is on Chase 's end. 

On XX/XX/year>, I called Chase again. This time I was told that all charges from this particular vendor are entered as cash money order/money transfer. '' I advised the representative that I would like to contest the {$10.00} fee as I was not informed of this. If I had been informed, I would not have made the purchase. I was transferred to the Disputes Department. 

I advised the Disputes representative that I wanted to contest the {$10.00} transaction fee for reason stated above. She told me that she'd have to transfer me back to customer service for that. When I started to complain that I was being passed around, the representative told me that since I wasn't listening and was putting words into her mouth, she was ending the call. She hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My American Express checking account is in MY name Only. NO Authorized users! I had already rented a vehicle. My husband went online and rented a vehicle in His Name and used My card to pay for it. I called XXXX within 15 minutes and told them to cancel that car, that my husband is unauthorized to make purchases. They put a note on car not to release it to him. They refused to refund me even though it is my account And it was not reserved in My Name. I called Amex 4x to dispute this. The XXXX XXXX rental company is nothing more than snakeoil salesman. 
Look up their social media reviews they are horrible. I gave them a bad yelp .so the owner went to XXXX XXXX instead of yelp and told me he would make it right. That was a lie. He kept arguing with Amex that it was a No Show charge. Lie again. Try to email them the emails would not work. I have proof of XXXX report and bad emails

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: WI

Complaint narrative:
Recently I checked my credit report and noticed that I've been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. 

Here are the names and dates of the inquiries : XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Conn's, Inc.
State: NV

Complaint narrative:
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : CONN CREDIT CORP XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NJ

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
New and relevant information pertaining to this matter. On XX/XX/year> Citibank Citibank Executive Response Team Contacted me with what I believe to be a deceptive and stalling tactic .They sent an email claiming that they didnt have the account number and or checks that were fraudulently disbursed from my account. The checks as well as the account was confirmed on XX/XX/year> on a recorded call with Citibank Reference # XXXX. On XX/XX/year> the account, the checks, and the fraudulent ACH charge were confirmed again on recorded call with representative XXXX and XXXX. These bullying and deceptive tactics that has continued to cause me great mental and physical anguish. Ive suffered from XXXX and even XXXXXXXX XXXX XXXX XXXX and scattered thoughts pertaining to the matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is no small matter and Citibank continues to disregard me and tell me lies that alters my mind. I know for sure I submitted photos of the checks with the check numbers showing in my previous complaint. Theyve confirmed several times with different representatives over the phone and located the account along with account details in question. Its the same feeling I got when they tell me its my signature and I know its not. Its the same when they told me I made charges that I know I didnt. Please hold them accountable. As consumers we need a voice and someone to fight for us because we are continuously bullied financially, mentally, and physically by Citibank.

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 2024-11-14 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: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-14 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666b ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I will escalate this matter to the CFPB, citing articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), which provide liability for willful and negligent noncompliance, respectively. These statutes allow for damages, including actual damages, attorneys fees, and possible civil penalties for failure to comply with the Act 's requirements. 

The account is XXXXXXXX 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 2024-11-14 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: TX

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX XXXX XXXXXXXX XXXX ACCT : XXXX has violated my rights. 

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

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have called Capital one multiple times and sat on hold for over XXXX hours. The company asked to verify my information via Picture of Photo ID which I sent, then proceeded to keep me on hold for XXXX minutes. The company can not give me a reason or cause for my account being locked and is telling me to wait 7-10 business days to be able to access my funds. I asked them to close the account and transfer the funds to my XXXX  bank account the company told me no they can't do that. 

I requested the transcripts of the phone calls as the company states I am on a recorded line. ( This is with in my rights to do so VIA Pa state law for recorded lines ) I am furious how this is being handled as I have many different accounts with this company and there is no sympathy or compassion from them. 

Spoke with 2 supervisors and both of them told me they have no idea why my account is locked and that they are waiting on a response from " the back office '' which takes anywhere from 7-10 business days. At this current moment I will never be banking with this bank again.

Company response to consumer: Closed with explanation