vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: CT

Complaint narrative:
UPDATE TO CLAIM # XXXX TRANSUNION YOU HAVE COMMTTED WILLFULL DECEPTION AGAINST ME. YOU WERE PLACED ON NOTICE OF YOIR WILLFULL VIOLATION OF CONGRESS LAW 15 USC 1681a ( 2 ) WHERE CONGRESS STATES NO TRANSACTIONAL INFORMATION BELONGS ON A CONSUMER CREDIT REPORT. THE ACCOUNTS LISTED ARE IN FACT TRANSACRIONAL. YOU CLAIM YOU VERIFIED THE INFORMATION BUT I DID NOT REQUEST A VERIFICATION. BUT SINCE YOU CLAIMED VERIFIED I DEMAND THE ACTIONS AND STEPA ACXORDING TO 15 USC 1681i YOU HAVE TAKEN TO VERIFY THIS INFORMATION SHOWING WHO YOU LERSONALY INTERVIEWD AND THEIR NAMES. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT AS ALLOTTED ON MY PREVIOUS COMPLAINT YOU HAVE VIOLATED ME AND I GAVE YOU AN OPPORTUNITY TO REMOVE THE EXCLUDED INFORMATION THAT DOES NOT BELONG ON A REPORT OR PAY TO ME BY CASHIERS CHECK IN THE AMOUNT ALLOTTED ON MY PREVIOUSL COMPLAINT AND YOU HAVE WILLFULLY NEGLECTED A RESOLUTION AND HAVE COMMITTED DECPTION. YOU HAVE VIOLATED YOUR FIDUCIARY DUTIES AGAISNT ME AND HAVE CAUSE DAMAGES TO ME. IF YOU DO NOT PERFORM HONORABLY A FORMAL COMPLAINT WILL BE FILED THE SECURITY EXCHANGE COMMISION AND THE INTERNAL REVENUE SERVICE WILL BE NOTIFIED VIA A 3949a AND 211 FORM OF YOUR REPORTING OF INCOME ON MY REPORT FOR DISCHARGWD DEBT IS CONSIDERED INCOME.

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 2024-04-25 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: AL

Complaint narrative:
i sent transunion and XXXX letters on XXXX, disputing the inaccurate and incomplete tradelines they are reporting on my consumer report. Per 15 USC 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on a consumer report. they are in violation of the FCRA and the information should be deleted immediately. 
XXXX XXXX XXXX is giving out inaccurate data and the account should be deleted as well. 

please see 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 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
When I got offered this loan I traded in a completely paid of 2017 XXXX  for this bigger XXXX  and the sales person told me I was at 8 % with the new loan but Ive not made any progress with the payment being ( -18 % ) paid off and when my financial hardships started I asked to refinance for easier terms and they told me no. I looked online to find my contract and they gave me at over 28 % on my loan! Not what I knowingly signed for and the loan is so malicious and predatory. Its impacting my day to day life, me mental and emotional health and the company has refused to refinance. Exeter is extremely crooked and should not be allowed to extend its loans to American consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX Account # XXXX. In accordance with the Fair Credit Reporting Act Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation.

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 2024-04-25 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: PA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I applied for a XXXX XXXX Credit Card Account. I was approved for a card in-store and made a purchase. I never received a card in the mail or a statement in order to make a payment. I called on XX/XX/2024 and requested a card be sent and a statement. I also requested account information in order to create an account online to make my payments. They refused to provide information over the phone stating I had to wait for a card in the mail. I still have not received a statement or card in the mail to make an account to make a payment online. I called again on XX/XX/2024 to resolve the issue and spoke to five different people who can not help me. They told me I am being charged late fees and interest on the card. ( card is interest-free for 24 months ) They have refused to remove the late fees and then tell me I have to wait for a card in the mail in order to make a payment. In which time my card will continue to accure late fees and interest on a interest-free card. Why can I not get them to send me a card in the mail? Why can they not provide me an account number or any information even though they have to verify who I am? And how is this company even still able to do this to people?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: PA

Complaint narrative:
I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts are inaccurately reported in terms of reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I've asked the company already XXXX times about the {$6.00} XXXX charge that they keep charging me. I even contacted XXXX XXXX and they have no idea where the {$6.00} is going, they sent me an email requesting venmo remove the charges from there end since they have no idea where the {$6.00} is coming from. This has been going on since XXXX. I've made many complaints and still nothing is being done by venmo.

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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
BACK IN XXXX  XXXX  CREDIT CARD WAS STOLEN AND THE THIEF HAS MADE CHARGES ON THE ACCOUNT, AS SOON AS I FOUND OUT I IMMEDIATELY CONTACTED CITI BANK AND REPORTED AS FRAUD. I REQUESTED A NEW CARD. THEN CITI BANK DECIDED THAT THE CHARGES ARE NOT FRAUD, I A MNOT REALLY REALLY SURE HOW THEY CAME TO THAT DECISION, BASICALLY SOMEONE SITTING BEHIND A DESK DECIDED THAT THE CHARGES ARE NOT FRAUD, THE CHARGES ARE FRAUD SINCE MUCH OF THE CHARGES WERE MADE OVERSEES IN OTHER COUNTRY 'S AND ALSO HERE IN THE UNITED STATES, IT COULD NOT HAVE BEEN MINE SINCE AT THE TIME MY MOTHER WAS XXXX XXXX IN THE HOSPITAL XXXX XXXX XXXX XXXX AND I HAVE PROOF OF THAT. I HAVE MANY TIMES CONFIRMED WITH CITI BANK REPRESENTATIVE WHICH CHARGES ARE NOT MINE, AND THEY HAVE ASKED ME TO SEND THEM A WRITTEN STATEMENT WHICH OF COURSE I HAVE DONE. THERE IS OVER {$10000.00} CHARGES THAT ARE FRAUDULENT. THIS IS DISCRIMINATION AGAINST MYSELF AND AGAINST MY CREDIT PROFILE. I HAVE GONE TO SMALL CLAIMS COURT AND THEY ARE DENYING MY CASE WITHOUT ANY NORMAL REASON, IT ALL BASED ON ASSUMPTION. I NEED TO KNOW WHO IN THEIR RIGHT MIND WOULD PAY FOR ITEMS OR SERVICES THAT WERE DONE FRAUDULENTLY.

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 2024-04-25 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: TX

Complaint narrative:
I became a victim of identity theft and whoever stole my identity opened credit cards in my name .I attached supporting documents of the fraudulent account that was opened in my name. 

XXXX opened XXXX amount {$2500.00} ( fraud account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im getting these letters from a Midland Credit Management stating they will forward my account to an attorney for a pre legal process! I have no income and I Im XXXX  Ill! The credit card is about XXXX years old and I was making payments on it but when I got sick I talked to an agent and it was understood! Then I get these letters! There is no opportunity to set up a payment plan with no income! So now Im being threatened via letters!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2024-04-25 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: NY

Complaint narrative:
Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the Federal Trade Commission. I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my 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 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I looked at my recent transactions on my Citibank credit card app on XX/XX/XXXX and I was surprised to see a new {$170.00} fee for authorized users and an increased annual fee of {$590.00} ( formerly {$450.00} ). 

I never received an email or letter explaining these upcoming fee changes like I'd expect from other companies providing financial services. 

I wrote to Citibank on XX/XX/XXXX : Dear Citibank, I am writing to express my extreme dissatisfaction with the recent, undisclosed fee increases for authorized users and the annual fee on my account. I was neither informed about the {$170.00} authorized user fee increase nor the annual fee increase of {$140.00} before these changes were implemented. 

The lack of transparency surrounding these fee increases raises serious concerns regarding potential violations of the Unfair and Deceptive Acts or Practices ( UDAP ) regulations. Consumers have the right to clear and conspicuous disclosure of fees and terms associated with financial products. 

I demand an immediate reversal of these charges and a full explanation of the reasons behind these fee increases. Failure to rectify this situation promptly may result in further action, including reporting this matter to appropriate regulatory authorities. 

Sincerely, [ MY NAME ] A Citibank representative responded on XX/XX/XXXX : " ... Our records indicate when your XX/XX/XXXX statement generated, we notified you of the important changes to your account terms, which were located on page XXXX of your statement. This information advises that as of XX/XX/XXXX, the XXXX XXXX Fee for the XXXX  cardmember will be {$590.00} and the authorized user fee will be {$170.00} for up to three authorized users. However, you will not be billed until your next cardmember anniversary. 

When your XX/XX/XXXX, statement generated there was a reminder of the XXXX XXXX fee of {$590.00} and {$170.00} authorized user fee for up to three authorized users that will appear on your next billing statement. This information can be found in the Account Messages portion of your statement on page XXXX ... '' I then let them know that I do not find a notice hidden on the XXXX or XXXX page of a statement to be " clear and conspicuous '', and that I would proceed with filing a complaint with the CFPB. 

I don't believe that Citibank is breaking a law or regulation, but I think financial service providers should be held to a higher standard by the CFPB by clearly alerting their customers to significant changes in fees. Many consumers rely on apps and online transaction logs, rather than scanning their statements for any upcoming changes to credit card terms. I do not believe it is fair to " hide '' this important information within a monthly statement.

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 2024-04-25 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:
All account Types A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely. 
I demand that this company delete and or update these accounts on my credit report or I will have no choice but to forward this to my litigation attorney. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I demand you to remove this account from all 3 of my credit reports asap or I will have no choice but to forward this to my litigation attorney for furnishing a false account on 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 non-monetary relief
Consumer complaint received 2024-04-25 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: FL

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. XXXX is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.

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 2024-04-25 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: PA

Complaint narrative:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.

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