vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Was in the process of making orders like normal. Card kept getting denied/rejected, shortly after logged into app and found an alert saying to verify my transactions. A XXXX number was provided through the app and I called. Got connected to a live rep, who asked a series of questions related to account security. From the security text message, childhood nick name. I refused and was then asked for full credit card number which I refused and was then asked for other cards/accounts that I had with Citibank. I refused to answer all of the questions and hung up. 

Reviewed the Citibank app and website and there is not other way to contact customer service. Per their text message of them stating they will not call or text for the security code, and common knowledge of not giving you full credit card information to unverifiable/sketchy representatives, there is no way to reactivate my credit card. A search on Citibank shows this issue has been ongoing with other customers as well. 

So either the bank is terrible at security, lacks review of their security measures, missing common sense, or their app and web site has been compromised by scammers. This is a terrible methodology of security, locking customer cards without notification and an abysmal procedure to unlock the credit card. I would be stranded with no way to pay for bills/purchases if this had happen while I was out and about. The inability to unlock your account without compromising your personal information and account information to unlock if this even was a real representative from Citibank, is an invitation for scammers/data leak. There needs to be an investigation/oversight in this process and the lack of accountability with account security with this bank, if they are so incompetent with something this simple ; Im not sure how great they can be with other aspects of consumer protection.

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 2024-07-13 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: GA

Complaint narrative:
DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXXXXXX 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 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 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 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 explanation
Consumer complaint received 2024-07-13 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:
DEAR, TRANSUNION I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV 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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Don't recognize anything on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Attached is a copy of XXXX XXXX XXXX asking Equifax XXXX XXXX to delete this XXXX. Account number XXXX, this transmission took place XX/XX/year>, again this transmission was transmitted XX/XX/year>, XXXX ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NY

Complaint narrative:
Subject : Reinvestigation Request for Incorrect Late Payment Reporting by Equifax Previous CFPB Complaint Number : XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to request a reinvestigation regarding my previous complaint against Equifax, referenced by CFPB complaint number XXXX. My original complaint highlighted an issue where Equifax has not updated a late payment for XXXXXXXX XXXX XXXX XXXX  XXXX  ) to current, despite it being shown as current on my Equifax credit report. Specifically, the late payment is incorrectly listed as XXXX late payments, 60 days late, and 30 days late for the same month. 

This discrepancy is not only detrimental to my financial health but also constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsections A-D. Equifax has verified the item without providing the detailed method and contacts used for verification, which is required under the FCRA. 

As per the FCRA, I am entitled to a clear and detailed explanation of how the information was verified. I am requesting the following : The specific methods used by Equifax to verify the disputed information. 
The full name of the person ( XXXX ) spoken to at the original credit grantor. 
The date of the commencement of delinquency. 
The specific date when this tradeline will be past the reporting timeframe. 
Equifax must provide this information within 15 days or remove the tradeline immediately. The previous investigation failed to address these requirements adequately, and I am seeking an immediate correction to the payment history on this account to reflect " PAID, NEVER LATE. '' Attached are all relevant proof documents from my Equifax account, which substantiate my claim. 

Thank you for your assistance in ensuring the accuracy of my credit report and protecting my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NE

Complaint narrative:
Experian notes two latest on credit report but only one furnished to me. This indicates identity theft during the commission of a 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 2024-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I want to make it clear that I don't owe any of the reported debt to the companies reporting it. The original lender for my Federal Student Loan was Federal Student Loan aide, with whom I had an agreement. However, my account has been transferred to Navient, and then it was transferred to XXXX. I've been trying to get information regarding the debt from both Navient, and XXXX, but they have been ignoring all of my written correspondence. They even returned my loan to the original lender at one point, without providing me with the information I requested or responding to me. After XXXX  months of non-response, Navient reported me as late to the credit bureau for a loan for which they can not provide me with the promissory note bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: GA

Complaint narrative:
DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Company is trying to collect a debt of {$620.00}. I have no knowledge of this account or company so im not sure why they are saying I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX i called to See what we can do to resolve the issue they shut the phone one me disconect they would not tell me tell me The Company id XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Synovus Bank
State: RI

Complaint narrative:
XXXX i called to See what we can do to resolve the issue they shut the phone one me disconect they would not tell me tell me The Company id XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
DEAR, TRANSUNION I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX AUTO IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Request for Removal of Student Loan Accounts from Credit Report Dear Credit Reporting Agency, I am writing to formally request the removal of several student loan accounts from my credit reports maintained by your agency. This request is submitted under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ).

Details of the Request : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c : Requires that outdated adverse information be removed from consumer credit reports.

15 U.S. Code 1681b ( c ) : Provides consumers with the right to dispute inaccurate or outdated information.

Public Law 91-506, Title VI, Section 611, Subsection A-D : Mandates credit reporting agencies to investigate and correct inaccurate or incomplete information in a timely manner.

Servicemembers Civil Relief Act ( SCRA ) : As an active-duty service member, I am entitled to protections under the SCRA that include the accurate reporting of my financial obligations and benefits.

Issue : The student loan accounts in question are adversely affecting my credit score and financial standing. These accounts are either inaccurately reported, outdated, or should be removed under the provisions of the FCRA and SCRA.

Action Requested : I request the immediate removal of the specified student loan accounts from my credit reports. 

Accounts in Question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Correspondence : This request follows previous attempts to correct these inaccuracies directly with the credit reporting agencies, which have not been resolved satisfactorily.

Thank you for your prompt attention to this matter. Ensuring the accuracy of my credit report is crucial for maintaining my financial stability and compliance with my rights under the FCRA and SCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: NV

Complaint narrative:
DEAR, TRANSUNION I WOKE UP TUESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX  XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/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 2024-07-13 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: NV

Complaint narrative:
DEAR, EXPERIAN I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX XXXX XXXX AUTO IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER STAY AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV 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 2024-07-13 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: NV

Complaint narrative:
DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX AUTO IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TN

Complaint narrative:
Attached is a copy of XXXX XXXX XXXX asking XXXX XXXX TransUnion to delete this XXXX. Account number XXXX, this transmission took place XX/XX/year>, again this transmission was transmitted XX/XX/year>, XXXX ID 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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
I asked them to validate the debt and the purchase agreement that they have to collect that however theyre not able to provide me with any information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MN

Complaint narrative:
XXXX sent a letter that stated they were sending a new XXXX XXXX XXXX XXXX Credit Card for a closed account. I called XXXX XXXX and they refused to help because they already sent the non-requested card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
Complaint and demand to explain how many " loans '' under zero % interest XXXX has and with whom ; for which " litigation '' case and names of attorneys whose fees were billed to XXXX in the amount of {$220000.00} between XX/XX/XXXX to present time. Explain why she was charges XXXX times {$24.00} " late fee '' between XXXX XXXX to present time for every single transaction and the source of payments received by PennyMac on XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX in excess of XXXX 's payments. Demand to provide a hard copy of the Servicing Agreement and copies of all insurance payments for over {$350000.00} of " fees and charges '' received by PennyMac and real Servicer Wells Fargo bank from any Insurer : The Department of Veterans Affairs or any other party who paid these {$350000.00} fees and charges. For example, On XX/XX/XXXX PennyMac received {$35000.00} non-borrower payment with late fee {$24.00}. Please disclose the source of this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A credit balance was maintained on the account to pay for the upcoming charges. Bank of America claims a refund was processed and deposited into XXXX Bank of America account which was never verified. When I was made aware that the account was reported to be XXXX days past due, I contacted the bank and disputed the late fees and the report. The bank still claimed a refund was deposited into my checking account which they were not able to verify. At this point they are reporting my account as delinquent to credit reporting agencies and holding me responsible for late fees. Bank of America has been in possession of over XXXX XXXXXXXX XXXX, and they are still charging me interest and late fees. At this point they claim the funds were refunded to the state and I should claim the fund from the state. This is an unfair practice since they have had the funds in their possession all along and the only reason, they can provide is their accounting methods that resulted in a credit refund. I still have not received the refund in any of my bank accounts as it was claimed by the bank. Please help stop this unfair practice!

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 2024-07-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Complaint and demand to explain how many " loans '' under zero % interest XXXX has and with whom ; for which " litigation '' case and names of attorneys whose fees were billed to XXXX in the amount of {$220000.00} between XX/XX/XXXX to present time. Explain why she was charges XXXX times {$24.00} " late fee '' between XXXX XXXX to present time for every single transaction and the source of payments received by XXXX on XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX in excess of XXXX 's payments. Demand to provide a hard copy of the Servicing Agreement and copies of all insurance payments for over {$350000.00} of " fees and charges '' received by XXXX and real Servicer Wells Fargo bank from any Insurer : The Department of Veterans Affairs or any other party who paid these {$350000.00} fees and charges. For example, On XX/XX/XXXX XXXX received {$35000.00} non-borrower payment with late fee {$24.00}. Please disclose the source of this payment.

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 2024-07-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took a loan of {$3000.00} based on my auto title from TitleMax based in XXXX XXXX XXXX, Texas. I hoped to pay off the loans but it seems I will forever repay the loans because it is unending. The interests and the capital keep increasing sometimes leading to the repossession of my vehicle. It is a debt trap. 
I wish to be able to repay my loans on a set time and amount so that I can breathe again.

Company response to consumer: Closed with explanation