vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened my saving account in Citizens Bank during promotion offer period back on XXXX this year. The offer clearly states that a {$500.00} new account bonus will be paid on XX/XX/XXXX once certain requirements are met. I have been contacted citizens reps via online chat and phone several times in the past XXXX weeks and each time I was told the market research team from citizens would review my case ASAP and get a resolution back to me. Now, it has been XXXX weeks so far since the bonus paid date and I still got no response from their market research team. Every time I contacted with citizens reps, I did provided with a case number " XXXX '' which created by a citizen rep on XX/XX/XXXX, I was always told that the market research team still did not have a chance to review my case. I have tried my best to solve this issue with citizens, but unfortunately the market research team is certainly not doing their job. I was promised by several customer reps that my case will be solved within XXXX business hours and now it has been XXXX weeks without any resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-20 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: FL

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 explanation
Consumer complaint received 2024-11-20 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 filing a complaint regarding inaccurate reporting by all three credit bureausEquifax, XXXX, and XXXX multiple accounts. The issues include : XXXX. Incorrect reporting of account opening dates. 
XXXX. Inaccurate reporting of late and on-time payment history. 
XXXX. Inconsistent information across credit bureaus for the same accounts. 

The accounts affected are : XXXX Bank ( Account ending in XXXX, {$1700.00} ) XXXX Financial ( Account ending in XXXX, {$0.00} ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX, {$2000.00} ) XXXX  ( Account ending in XXXX, {$2200.00} ) XXXX XXXX ( Account ending in XXXX XXXX {$0.00} ) XXXXXXXX These inaccuracies violate the Fair Credit Reporting Act XXXX FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681i ( a ), which obligates credit bureaus to investigate and correct disputes. The failure to resolve these errors within the 30-day period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) demonstrates noncompliance.

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 2024-11-20 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by all three credit bureausEquifax, XXXX, and XXXX multiple accounts. The issues include : XXXX. Incorrect reporting of account opening dates. 
XXXX. Inaccurate reporting of late and on-time payment history. 
XXXX. Inconsistent information across credit bureaus for the same accounts. 

The accounts affected are : XXXX Bank ( Account ending in XXXX, {$1700.00} ) XXXX Financial ( Account ending in XXXX, {$0.00} ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX, {$2000.00} ) XXXX ( Account ending in XXXX, {$2200.00} ) XXXX XXXX ( Account ending in XXXX XXXX {$0.00} ) XXXX These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681i ( a ), which obligates credit bureaus to investigate and correct disputes. The failure to resolve these errors within the 30-day period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) demonstrates noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX XXXX, To start, I'd just like to say I think it's vile that as humans we just accepted the fact that XXXX private companies manage our credit scores and we have to play along with them ... because? Anyway, I've tried all morning to get a human to help me access my account at Experian. Their automated system just sends me in circles. I can't access my account without a password, so I called the customer support line. The customer support line is an automated system and won't allow me to speak to a human. The only option from the automated system is to send me a text to reset my password. But when I click on the link within the text, the website says it, " doesn't recognize '' my phone number. So either Experian has the wrong information, or their system is broken. Either way I need to speak to a human at Experian. My desire is that I would never have to do any business with this entity for the rest of my life, but we have designed our society in such a way that I can't do that, which I find insane.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-20 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: DE

Complaint narrative:
I am filing this complaint to dispute an inaccurately reported charge-off account associated with SYNOVUS/FIRST PROGRESS Account Number XXXX on my Equifax credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided.

Internal Revenue Code, 26 U.S.C. 6050P : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity XXXX constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX Acct Number XXXX XXXX XXXX XXXX, Acct Number, 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 2024-11-20 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: PA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XXXX XXXX under the account number ( private ), an an Charge account opened at XXXX on XXXX XXXX under the account number ( private ), a personal auto loan account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( private ), and a secured loan account opened at a secured loan account opened at XXXX XXXX XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency XXXX XXXX of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to

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 2024-11-20 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: MD

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 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: NY

Complaint narrative:
I am writing to formally request that you block and delete specific fraudulent accounts and inquiries from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
I am a victim of a data breach and have discovered fraudulent activity in my credit report that I did not authorize. The details of the fraudulent accounts and inquiries are as follows : Fraudulent Account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Fraudulent Inquiry : Name of Creditor : XXXX XXXX  XXXX of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 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:
I am writing to formally request that you block and delete specific fraudulent accounts and inquiries from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
I am a victim of a data breach and have discovered fraudulent activity in my credit report that I did not authorize. The details of the fraudulent accounts and inquiries are as follows : Fraudulent Account : Creditor Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Fraudulent Inquiry : Name of Creditor : XXXX XXXX XXXXXXXX of Inquiry : 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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The listed account is reporting false information XXXX XXXX account has never been late.

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 2024-11-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
I am filing this complaint to dispute an inaccurately reported charge-off account associated with SYNCB/XXXX Account Number XXXX XXXX my XXXX credit report. The creditor has failed to substantiate or validate this charge-off in compliance with federal laws and regulations, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : The FCRA requires creditors to report accurate and verifiable information. The reporting of this charge-off account lacks adequate substantiation, as no documentation proving the validity of the debt has been provided. 

XXXX XXXX XXXX, XXXX XXXX. XXXX : When an account is deemed uncollectible and charged off, the creditor is obligated to issue a XXXX form for cancellation of debt if the forgiven amount meets the reporting threshold. In this case, no XXXX form has been issued, which raises doubts about the legitimacy of the charge-off. 

Consumer Financial Protection Bureau ( CFPB ) Guidelines : Under CFPB rules, creditors are required to ensure fair, accurate, and substantiated credit reporting practices. Reporting this account as a charge-off without proof of its validity may constitute an unfair and deceptive practice in violation of the XXXX XXXX, 12 U.S.C. 5531.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-11-20 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: NE

Complaint narrative:
Prior to XX/XX/year>, I attempted multiple times to close by Best Buy Credit Card account. When I was charged with a late fee for a {$6.00} balance in that XXXX, I was super confused because I had already paid off my balances and chose the option to deactivate the account. I found out later that it had not closed, and I was given a minimum balance. I was not aware of that minimum balance and ended up missing the payment when on vacation. My credit dropped over XXXX points from this.

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 2024-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I made a payment of {$59.00} on XX/XX/year> for my credit card account through BMO. My bank does not show it as returned. However, I received a call today saying I need to call them regarding an urgent matter. I checked my account and it showed my payment was returned due to insufficient funds. I then checked my banking app, there was over {$200.00} in my account at the time of processing which was XX/XX/year>. I had to redo the payment over the phone. Then I asked my bank why it was returned. They stated it was not returned on their end. I attempted to get late fees reversed, they refused even though I have not been late on any payments with this company before. They are charging me {$29.00}. My payment was made on time with plenty of money in my account. I am starting a investigation with my bank as well.

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