vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Related to complaint XXXX. Company called today, offering for a further review of credit line. When I asked what affected the company decreasing credit line by half to begin with, the " Executive '' stated that my " payment was low on one or more accounts ''. I asked what that meant ; she refused to answer and said that this was a company-provided response. She could not provide me with anyone else to speak with to tell me what it meant. She confirmed that all payments have been made on-time, and minimum payment or higher was made each month. When I stated that " payment was low on one or more accounts '' is not a determining factor on my XXXX XXXX, she again stated that this was a company-provided response. 

CitiBank is making their own determining factors when deciding credit. The related complaint shows that this card has only been open for a few months ; all payments have been made on time, and minimum-due or higher has been paid ; the card never went past 50 % utilization. The " executive '' I spoke to said Citi uses their own numerical factoring with their own metrics to determine credit scoring. This is not public, nor is it known to the public ; this was only shared with me after filing complaint XXXX and waiting for someone to call. 

There are real concerns for the consumer with what Citi is doing. They approved a credit line of one amount; dropped it to only allowing for {$70.00} on the line ; then stated that it was due to " payment was low on one or more accounts '' ; then stated I would need another soft credit pull in order for it to be reviewed. This " executive '' also stated that she knew the determining credit factors, and that the " payment was low ... '' statement was also a company-provided response, despite how logical it may be for a consumer to turn to published factors that determine credit.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I requested a 1099c also the last payment date was in XXXX of XXXX and they are showing XXXX which in incorrect

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 2024-04-24 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: PA

Complaint narrative:
The CRA did not protect my identity

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 2024-04-24 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: PA

Complaint narrative:
The CRA did not protect my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: PA

Complaint narrative:
The CRA did not protect my identity

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer report listed on the account XXXX. There are late payments that should not be reported to my consumer file. Each consumer agency is required to send out a notice prior to reporting any such information. Are the consumer agencies exempt from federal law? 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-24 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: MA

Complaint narrative:
I am writing to report an instance of identity theft that appeared before me on XXXXRecently, I was informed by XXXX that an XXXX XXXX credit card had been opened under my name through TransUnion. The reported amount associated with this account is {$430.00}. I want to clarify that I did not authorize or open this credit card account, and I have reason to believe that my personal information has been fraudulently used. 

The account was opened under my name. I suspect that my identity was stolen and used without my consent, which has led to this fraudulent activity. This issue poses a significant risk to my financial integrity and credit score. 

I am seeking your assistance to investigate this matter thoroughly and to help me resolve the issue by removing the fraudulent account from my credit history. Additionally, I would appreciate guidance on further protective measures I can take to secure my personal information. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance. 

TransUnion has been difficult to get ahold of as well. I have been trying to also use their website but they are reporting they can not find my SSN.

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 2024-04-24 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: NJ

Complaint narrative:
It's possible that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.

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 2024-04-24 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: NJ

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.

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.

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 2024-04-24 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: NJ

Complaint narrative:
I am writing to follow up on my ongoing dispute concerning certain inaccuracies present on my credit report. Despite repeated attempts to rectify the situation, the disputed personal loan account ( Account # : XXXX  # XXXX ) remains unresolved, prompting me to escalate the matter to your attention. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and Credit Metro Codes, I have identified several violations within the reported information : XXXX. Violation of Privacy ( 15 U.S.C 1681 Section 602 A ) & Credit Metro Code 101 : The inclusion of the personal loan account without my explicit written authorization represents a clear violation of my right to privacy and confidentiality. 
XXXX. Inaccurate Reporting ( 15 U.S.C 1681c. ( a ) ( 5 ) ) & Credit Metro Code 203 : The adverse information associated with the reported account is factually incorrect, contravening both the FCRA and Credit Metro Code 203. 
XXXX. Furnishing Unverified Information ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ) & Credit Metro Code 302 : The credit reporting agency has failed to adequately verify the information furnished, thereby violating federal law and Credit Metro Code 302. 

I am formally requesting a comprehensive investigation into these violations by the CFPB, with the ultimate aim of rectifying the inaccuracies present on my credit report. As per FCRA guidelines and Credit Metro Code 402, I insist on receiving tangible documentation substantiating the claims made by the credit reporting agency, including proof of a permissible purpose for their inquiry into the disputed account. 

I hereby grant the CFPB an additional 30 days to conduct a thorough examination of this matter and undertake appropriate corrective actions. Prompt resolution of this dispute is imperative to safeguarding the accuracy and integrity of my credit report. 

I eagerly anticipate your response, accompanied by any documentation that sheds light on the validity of the reported personal loan account. Should it be determined that the reported information is indeed erroneous, I respectfully request its immediate removal to restore the integrity of my credit profile. 

Thank you for your attention to this matter.

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 2024-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am reporting an issue that Bank of America denied my dispute of a credit card transaction On the early morning of XX/XX/XXXX, in responding to a XXXX free trail advertisement, I subscribed to a service that was provided by a Merchant called XXXX XXXX  XXXX which utilized a payment-processing third party called XXXX to process its payments. After I provided my credit card information to XXXX, I found out that there was no free trail for me, I was immediately charged with {$64.00}. I contacted the Merchant which said that I was not eligible for the free trial, so I told that Merchant I wouldnt subscribe to its service and asked for refund ; the Merchant unsubscribed me immediately but told me to contact the payment-processing third party XXXX to get refund ; XXXX in turn told me to contact the Merchant. After Back-and-Forth several rounds, I called Bank of America to stop the payment. However, after initially credit me back the charge of XXXX, Bank of America informed me today ( XX/XX/XXXX ) that it has decided to deny the credit and re-issue the payment to the Merchant. 

I did not receive any service from this Merchant, which provided nothing to me, and I dont know why Bank of American would make this obvious unfair decision to its customer of 26 years

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 2024-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was paid for services rendered with {$150.00} prepaid card from Bank of America with an expiration date of XX/XX/24. I called Bank of America to get a new card as I hadnt used the money and I was informed that once the card expires, there is nothing that can be done. This should be illegal since they have already been paid by the company. I asked if I could pay a fee for them to reissue the card and I was told no. Please help.

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied for a credit card. I did not like the terms offered and did not accept the card, but Citi just opened an account in my name anyways. They refused to do anything about it when I called. So now I have an open credit account that I dont want and never asked for, and the company wont do anything to fix it.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion, XXXX, & XXXX are reporting incorrect information listed on the account XXXX there are late payments listed that should not be there. The late payments are XX/XX/2024 and XXXX is report late payments for XX/XX/2024 that the other 2 consumer agencies are not. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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 2024-04-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card Account - Experian Dear Sir/Madam, I am writing to formally dispute inaccurate information reported on my Experian credit report regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my Experian credit report, I have discovered significant inaccuracies that require immediate attention and deletion. 
The specific discrepancy I wish to address concerns the account status and the reported late payment : Late Payment on XX/XX/XXXX : The report indicates one late payment, but it conflicts with the statement " Status : Paid, Closed. '' If the account is closed and paid, there should not be a late payment associated with it. This inconsistency suggests inaccurate reporting of the payment history. 
According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy, completeness, and fairness of the information they report. Additionally, FCRA Section 611 ( a ) ( 5 ) states that if an item on a consumer 's credit report is inaccurate, incomplete, or can not be verified, it must be corrected or deleted. 
Based on the discrepancies outlined above and the provisions of the FCRA, I formally request that Experian delete the inaccurate information related to the XXXX XXXX XXXXXXXX XXXX Account from my credit report. It is crucial that my credit report accurately reflects my financial history to ensure fair and accurate credit assessments. 
Thank you for your attention to this matter. I expect a prompt resolution and the deletion of any inaccuracies on my Experian credit report related to the 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It 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 2024-04-24 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: NJ

Complaint narrative:
My understanding is that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the accounts listed have inaccuracies in their reporting, including incorrect amounts and dates.

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 2024-04-24 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: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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