vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a banking relationship with Citibank for 20 years + all of the sudden they decided to close my banking relationship and blocked all my accounts including access to my credit cards. I attempted to contact them, but they keep me bouncing from one department to another without providing me with a solution. This was the most horrific client experience I DO NOT RECOMMEND CITIBANK FOR ANYTHING. Their compliance department lacks knowledge and understanding risk. Lastly, Citibank informed me that it will take 30 to 60 day to have my funds release.

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 2024-03-07 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: AZ

Complaint narrative:
I disputed information it was deleted and then placed back on my report. I had multiple credit reports

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$480.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX gift card was charged for the amount of {$240.00} to ahavestore.com. I called the company I believe for the first time on XX/XX/XXXX, or XX/XX/XXXX. The opened a claim and collected minimal information, the only thing they asked was which transaction, and are any more charges fraudulent. Personal information as well. On XX/XX/XXXX the sent an email saying an investigation found the dispute to be false. I called again and received no direct answer as to why. As of XX/XX/XXXX I received an email stating they did not find it a valid dispute due to us giving the card information to others apparently. No context beyond that. I called again and they said it was due to charges being split between California and Idaho. We live in Idaho and went to California for XXXX and received it there so it was used there first. They then refused to reopen the case stating once its closed it can not be reopened and it was closed under false assumptions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an email on XX/XX/year> at XXXX EST from Capital One that I had updated my phone number. I then received another email immediately after that I had been approved for a Capital One Business credit card. I have no relationship with Capital One and did not request this card.

Approximately one hour later, I contacted Capital One via telephone to try and understand why I had received the email. They were able to find the account from the information I provided. They froze the account and told me they would open an investigation into how the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: MI

Complaint narrative:
i reviewed my consumer reports and noticed that i had nine late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.

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 2024-03-07 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: MI

Complaint narrative:
i reviewed my consumer reports and noticed that i had nine late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I received an email from Fifth Third Bank offering a money market APY rate of 5.20 %. The terms of this offer stated bring XXXX into the bank by XX/XX/year>. I opened my account XX/XX/year> exceeding the required opening deposit. I received my first electronic statement for this account and the statement reflects a APY that is less. The branch manager insisted that I will earn 5.20 % in a year but when I asked her to put this in writing she refused. She then said she would credit my account XXXX for the difference in rates ; however she has not completed the deposit. I do have the original marketing offer, my account statement and a audio recording as evidence. I would like Fifth Third to hold up their end of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XXXX I receive a email settlement with four options to choose from. I choice six payment over six months for a total amount of XXXX With payments stater on or before XX/XX/XXXX. I made XXXX starting in XXXX, with the last payment in XXXX. Bank of America never reported any of my payments to the credit bureaus, but they did continue to report my account as a charge off for the full amount. Once final payment was received they still havent contacted the bureaus informing them that the account was paid in full with settlement.

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 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
My information is being used improperly. I am writing to request that Santander Consumer USA cease and desist from sharing my nonpublic personal information with non-affiliated third parties and consumer reporting agencies, as per my rights under 15 U.S.C 6802.

According to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), I have the right to opt-out of having my nonpublic personal information disclosed to non-affiliated third parties and consumer reporting agencies. 

I hereby exercise my right to opt-out of any such sharing of my nonpublic personal information. Please ensure that my information is not disclosed to any non-affiliated third parties or consumer reporting agencies from the date of receipt of this letter and going forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XXXX and XXXX. Please look at XXXX and XXXX as they are reporting my account as 0 late payments and never late. Please also take a look at the reporting date as Transunion is way off from XXXX and XXXX as well. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to " Paid/Never late '' as they should be, due to the fact that I was never late. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Upon reviewing my credit report, I detected inaccurate accounts that were not a result of any error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
Under penalty of perjury ( as defined by XXXX law, if carried out outside of the XXXX ), I certify that the information above is accurate and truthful to the best of my knowledge. In addition, I attest that I am authorized to submit this disagreement under both federal and state law. I am also aware that purposeful and deliberate falsification or omission of relevant information is illegal under 18 U.S.C. 1001 and is considered a federal crime. In addition, under 18 U.S.C. 1621, these falsehoods are punishable as perjury. These items that I saw in my credit report had nothing to do with any purchases I made. I am claiming that someone or a business applied for products, services, or money using my personal identification information without my consent, and they were successful in setting up a few accounts. The FTC is looking into everything. 
I'm going to sue your organization for creating a bogus account on my credit record, therefore you take immediate action to erase this account from all three of my credit reports.

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 2024-03-07 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Under penalty of perjury ( as defined by XXXX law, if carried out outside of the XXXX ), I certify that the information above is accurate and truthful to the best of my knowledge. In addition, I attest that I am authorized to submit this disagreement under both federal and state law. I am also aware that purposeful and deliberate falsification or omission of relevant information is illegal under 18 U.S.C. 1001 and is considered a federal crime. In addition, under 18 U.S.C. 1621, these falsehoods are punishable as perjury. These items that I saw in my credit report had nothing to do with any purchases I made. I am claiming that someone or a business applied for products, services, or money using my personal identification information without my consent, and they were successful in setting up a few accounts. The FTC is looking into everything. 
I'm going to sue your organization for creating a bogus account on my credit record, therefore you take immediate action to erase this account from all three of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: LEXISNEXIS
State: CA

Complaint narrative:
Under penalty of perjury ( as defined by XXXX law, if carried out outside of the XXXX ), I certify that the information above is accurate and truthful to the best of my knowledge. In addition, I attest that I am authorized to submit this disagreement under both federal and state law. I am also aware that purposeful and deliberate falsification or omission of relevant information is illegal under 18 U.S.C. 1001 and is considered a federal crime. In addition, under 18 U.S.C. 1621, these falsehoods are punishable as perjury. These items that I saw in my credit report had nothing to do with any purchases I made. I am claiming that someone or a business applied for products, services, or money using my personal identification information without my consent, and they were successful in setting up a few accounts. The FTC is looking into everything. 
I'm going to sue your organization for creating a bogus account on my credit record, therefore you take immediate action to erase this account from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: MI

Complaint narrative:
i reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/year>, and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.

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 2024-03-07 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: CA

Complaint narrative:
I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i 15 U.S 1666b.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.

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