vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I had a loan with citizens bank. I paid the loan off early. I did not cancel the automatic payment since it stated the next payment was due in XXXX. I figured if there was extra interest. Citizens took {$550.00} out of my checking account. I went to the branch and the manager was very rude and did not provide any help. I have contacted citizens multiple times getting different answers. They told me a check could not be released until XX/XX/XXXX After speaking to a manager XXXX, i was told a check was mailed out and they would have ti cancel it ands reissue after it was canceled oddly enough 2 checks came in the mail one dayred XXXX with had and post mark XX/XX/XXXX and another one dated XX/XX/XXXX same post mark I was then told the checks would be XXXX XXXX to me and and XXXX would call me back with tracking that was on XX/XX/XXXX As of today XX/XX/XXXX i have not received my money or a phone call with the tracking number I called XX/XX/XXXX spoke with XXXX would not answer any of my questions because another manager was in charge of this case its almost been almost a month and i am no closer to getting the money that is owed i am at a loss {$600.00} is a lot of money and true hardship Can some please help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-29 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: FL

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. 

Account name : # XXXX XXXX  XXXX XXXX {$59000.00}, # number ending in XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX {$1000.00}, # XXXX XXXX XXXX {$64000.00}, # XXXX $ XXXX XXXX {$26000.00}, # XXXXXXXX XXXX XXXX XXXX {$9100.00}, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681 c. ( 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 accurate.

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 2024-04-29 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX of this year, I used my Apple Card on the XXXX XXXX website to pay my phone bill. I paid {$230.00} using that card and it went through no issue. The problem is that for whatever reason, Apple Card is showing the card being charged twice, and this has my card over the credit limit. I asked them what was going on, because there is one confirmed charge of {$230.00} and another charge that is pending for that same amount. I was told I needed to wait about XXXX days for the charge to fall off well that came and went. So I contacted them again, and now they are telling me there is no way they can remove that, and I may have to wait two whole billing cycles until it goes away! So now I have to be without use of my main credit card potentially three months?! I find it incredibly unfair. Their agent told me to double check with XXXX about them not double charging me, but XXXX confirmed they only charged me once.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-29 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: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-29 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request the removal of incorrect information from my credit report, which I obtained from Equifax. Upon reviewing the report, I discovered several inaccuracies that require immediate attention : 1. Charge Off from XXXX XXXX : There is a charge off listed from XXXX XXXX, which has been paid in full. Therefore, it needs to be removed from my credit report immediately due to incorrect reporting. 

2. Incorrect Late Payments : Additionally, I noticed eight late payments listed on my credit report, which are incorrect and should be removed promptly. 

3. Inaccurate Account from XXXX XXXX XXXX : XXXX XXXX XXXX is reporting inaccurate information about an account that they have not provided validation for. This account has been paid in full and needs to be removed immediately. 

I kindly request that Equifax investigate these discrepancies and take the necessary steps to correct them as soon as possible. I also ask for written confirmation of the corrections made and an updated copy of my credit report reflecting these changes. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me if you require any further information or clarification at XXXX or XXXX. 

Thank you for your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
I signed up to get a new credit card on XXXX. The name is Milestone but the actual company is XXXX XXXX in XXXX, XXXX. I read over the terms several times and never saw that there would be an initial fee. I was approved for a {$1000.00} line of credit. I haven't used the card yet, but got a bill on XX/XX/29 for {$250.00}. There was a {$250.00} annual fee and then a {$3.00} " credit protection fee ''. On the back of the statement, it says you can cancel before the renewal so you can avoid paying the renewal fee, but it says, " This does not apply to the initial Annual Fee charged. '' There is also a monthly fee that was not specified when I originally opened the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
credence resource management constantly calls me about a debt that ive already asked them to validate the debt. they have not sent me any information about the debt. plus i also asked them to cease and desist from contacting me. all of this to no avail. these tactis is a clear violation of my rights under FDCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I went to www.chexsystems.com and logged in to try to access my free consumer report. After logging in, I tried to order the consumer report but kept on getting errors. I received this error : Unknown Error : Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at XXXX. 

I tried again and received the same error. I tried calling ChexSystems at XXXX XXXX XXXX on or around XXXX XX/XX/year> and was given the runaround by the confusing IVR. Ultimately I was not able to order my report via those methods. 

I tried submitting something else online ( not sure if it worked ) but I want to know why the system is not working and why I can not order a report while logged in. I want a written explanation of the technical errors. I also want ChexSystems to correct the technical errors.

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 2024-04-29 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: CA

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the 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 2024-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The select portfolio servicing company has an online communication for participating vendors that I do not have an escrow account. This Is false, and it has been 10 days since calling and it has not changed yet. Furthermore my new carrier wants the initial payment and the administrator of my escrow account has yet to submit funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent account in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX XXXX XXXX acc # XXXX date opened XX/XX/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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
i had fraud on my account, false charges and the accounts were closed,, when I called in XX/XX/XXXX no one knew why and how, I called on XXXX XXXX and still no one knows why this happened and there fraud department said there is no notes as to why, this has caused a major hit to my credit score and denials, also many fraudulent charges. also I have been part of the XXXX XXXX  leak and XXXX  leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CARD Corporation
State: TX

Complaint narrative:
On XX/XX/2024 I received a new visa debit card with account information for a checking account from Card.com. 

There's a routing and account number on both the letter and the debit card. 

I did not open an account with them and immediately checked my credit reports, which are clean of any fraudulent activity as of right now, XXXX XXXX XXXX 

Calling the phone number provided on the website and the card both kicked me into an automated system that was requesting personal identifying information, which I will not provide to a company that seems to be a scam. 

There are many complaints about this company on XXXX XXXX XXXX about people receiving debit cards for accounts they did not open and the inability to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: FL

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. 

Account name : # XXXX XXXX  XXXX XXXX {$59000.00}, # number ending in XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00}, # XXXX XXXX XXXX {$64000.00}, # XXXX $ XXXX XXXX {$26000.00}, # XXXXXXXX XXXX XXXX  XXXX {$9100.00}, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681 c. ( 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 accurate.

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 2024-04-29 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:
As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXX XXXXXXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). Furthermore, the disputed accounts were never verified. Experian is reporting 2 late payments while XXXX states that no payment history is available. XXXX has removed this account. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped. Delete this account 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 non-monetary relief
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
on XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of thewrongperson.|

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