vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a follow up to complaint # XXXX. This complaint was closed out based on inaccurate information provided by Citi. They continue to claim I filed the dispute outside of the XXXX required timeframe, but provide no data other than the date the transaction posted on XX/XX/XXXX. 

Here is the data that I confirmed with the customer service rep at Citi last week. 

Dispute filed on XX/XX/XXXX which is day XXXX ( not after 120 days as the response claimed ) I also confirmed with MasterCard that filing an initial dispute on day XXXX is satisfactory. 


When I started having challenges with my purchase, I called Citi in XXXX and was told I had until XX/XX/XXXX to file the dispute which I did I am not sure what is occurring on Citis end, but they obviously have a major flaw on their process. As a consumer, I should have the ability to speak with someone and I have asked for someone to call me no less than 10 times regarding this and not a single phone call. Each time I call, I reach someone in the XXXX that has no authority to make a decision nor can they transfer me to a US representative The only responses I get via email are through this complaint process and they provide no data or factual information. 

I ask that you research this further and hold the bank accountable to adhere to their own policy, governed by MasterCard This is starting to border on disparate treatment as theyre not honoring their cardholder agreement to me, the consumer Next step will be the Attorney General and if that is unsuccessful, I will file a lawsuit against Citi if I do not start getting some factual answers Again, I want to be clear, I know the regulations and asked the questions upfront to the customer service department which I followed everything to the letter. If there was a break on the banks part, and they did not file the dispute on their end timely, that is on them.

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 2024-12-29 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: TX

Complaint narrative:
" I am disputing a series of unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I provide consent for my credit file to be accessed. The following hard inquiries were made without my permission and need to be removed immediately : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 604 ( a ), a hard inquiry requires the explicit authorization of the consumer, which I never provided. I request that these inquiries be removed immediately from my credit report as they are unauthorized and negatively impacting my credit score. 

I also expect the credit reporting agencies to notify me in writing once the inquiries have been removed, per their legal obligations under the FCRA. If proof of my authorization can not be provided for any of these inquiries, they must be deleted to comply with the law. ''

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 2024-12-29 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: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I have student loans appearing on my credit report and I've disputed this issue multiple times, I was incarcerated when these loans were taken out. I've submitted the necessary documentation in order to prove that numerous times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: IL

Complaint narrative:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2024-12-29 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
on several occasions I tried to get the equity out of my home, every time I spoke with a loan officer at Wells Fargo i am either being told they don't do it, or I don't qualify.

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Schreiber Law LLC
State: CT

Complaint narrative:
To Whom It May Concern at Schreiber Law LLC, I am writing to formally address a serious privacy concern regarding the delivery of sensitive documents by your office. On Sunday, XX/XX/year>, I observed an individual walking into my driveway carrying what appeared to be a rolled-up packet of papers. Shortly thereafter, I received a call from my mother-in-law informing me that she had discovered and opened a roll of documents left hanging on my doorknob. 

These papers contained sensitive personal and financial information related to an alleged debt. The delivery method not only left the documents exposed to weather conditions ( including rain ) but also allowed unauthorized individuals, including my in-laws, to access private details about my financial situation. 

This method of delivery raises significant concerns about the security of my personal information and appears to constitute a breach of privacy. Proper handling of such documents, particularly those containing sensitive financial details, is essential and expected under professional and legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: OH

Complaint narrative:
My information was exposed in data breach and listed on dark web including social security numbers and all personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My information was exposed in data breach and listed on dark web including social security numbers and all personal information.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I am being charged an interest rate that is 2 % higher than what is advertised. My current interest rate on my credit card from USAA is 30.4 % versus the 28.4 % advertised as their highest possible interest rate for their XXXX XXXX credit card the same that I have. as a XXXX veteran, I find that this is very deceiving and wonder how many other people have had this issue. When you pay {$100.00} and your minimum payment is roughly the last time I saw it was XXXX or XXXX dollars. I may be incorrect on that just because I do try to pay a little bit more and your interest charge is XXXX dollars it makes very difficult to pay off a credit card.

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 2024-12-29 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CT

Complaint narrative:
Hello. This is not sent in error. I am a consumer and information furnished to your agency regarding my credit history was provided without my written consent. This violates my rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX I have reviewed my credit report and found no evidence that I have authorized the furnishing of my personal information to your agency. I have never provided written consent for any creditor or other entity to report information about me to your agency.

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 2024-12-29 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: CT

Complaint narrative:
Hello. This is not sent in error. I am a consumer and information furnished to your agency regarding my credit history was provided without my written consent. This violates my rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX  I have reviewed my credit report and found no evidence that I have authorized the furnishing of my personal information to your agency. I have never provided written consent for any creditor or other entity to report information about me to your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TODAYS DATE : XX/XX/XXXX AMSHER COLLECTION SERV  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMSHER COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX M SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
Subject : ** Complaint Regarding Credit Bureau Non-Compliance with FCRA XXXX XXXX Victim Dear CFPB, I am a XXXX XXXX XXXX XXXX  also known as " false imprisonment. '' Under the Fair Credit Reporting Act ( FCRA ), specifically [ 15 U.S.C. 1681c-2 ( a ) ], credit reporting agencies are required to block negative information on a credit report resulting from XXXX XXXX upon receipt of appropriate documentation. 

I provided the credit bureaus with all necessary documentation, including proof of my status as a trafficking victim, and requested that the negative items related to this situation be blocked from my credit report. Despite my submission, the credit bureaus negligently failed to comply with their legal obligation to block the disputed items. 

This failure to act has caused ongoing harm and is a direct violation of the FCRA. I am requesting that the CFPB take action to hold the credit bureaus accountable for this negligence and ensure they fulfill their legal duty to protect XXXX XXXX XXXX XXXX 

Thank you for your assistance in resolving this matter. 

Sincerely, 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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is an ongoing issue. I got the Bank of America Silver Visa at the time of opening my checking/savings account at the location closest to the XXXX postal code. 

At first everything was great, but gradually nasty things emerged. 

Although I had set up online payments they weren't going through. I contacted the friendly bank official immediately. He had provided me with his direct line and email. He responded with a video link explaining " how to set up online payments ''. I did watch, but honestly, this wasn't my first account or first time setting up auto payments, and not even my first BOA account. 

He even insisted I visit him in person so he could " show me '' how to do it. I had no desire to interact with people who were clearly unwilling to accept responsibility. I would set up auto-pay. It would invariably go to - it is past due. I wasn't even getting alerts!! No alerts about payment dates which is another thing I got used to over the years. I wrote to them many times. 

They have done nothing to fix the flaw on their website/system. Also, sometimes the payment itself does not go through, and I have had to keep an eye to make sure it doesn't fail. 

It is almost as if they are very eager for my credit score to go down. They just sent me a letter informing me that they're reducing my credit line for " not paying on time '' in part. 

This is just nasty. I don't deserve to be treated this way!! 

I have to add, that I am an accomplished XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may be unemployed now, but I am not brain dead yet. 

But this is not how any customer should be treated. 

BOA has kind of a monopoly. There are no other banks that offer the range of services that BOA does. More recently, this seems to have become their point of contention significantly affecting the quality of service.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not consent nor benefit from or authorize any of these following 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 2024-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I had the house built in XXXX through XXXX, XXXX sold to the house XXXXXXXX XXXX XXXX XXXX, then I did a HELOC loan for {$140000.00} in XXXX, I was looking to lower the interest rate. The loan company paid countrywide off, and I didnt get any benefit from the HELOC other than a new mortgage. I have been paying it since XXXX, now it is now XXXX and the mortgage balance is still {$130000.00}. Its like i havent paid but {$15000.00} on my mortgage according to them. when XXXX had the mortgage, they did not send me any statements. Now Shellpoint has it and Ive been asking for a payment history and amortization schedule and cant get it just a letter saying were getting the information together when all should have been done is to click a few buttons on the computer. Im trying to find out why the balance is still so high. It only should be about XXXX XXXX. Shellpoint is a mortgage servicer. I dont even know who my actual mortgage company is. XXXX XXXX XXXX that doesnt come up on your list of mortgage companies. My husband died XXXX, I have had a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and need my house. their saying they cant help by doing a deferment, I receive social security which can cover the mortgage. I need to know how much I really owe. Please help thanks

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 2024-12-29 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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