vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have savings account in Citibank Acc # XXXX On XX/XX/XXXX XXXX tried to wire transfer some money to another External account and Citibank asked me to call them and verify I called and verified, but they suspected some fraudulent activity on my account and said they will close my account and open new account and transfer money to new account. 
On XX/XX/XXXX I tried to transfer money from new account it gave me messages that my account is under review and I will be able to transfer money in 24 to 48 hours. 
Till yesterday this continued. 
And today they said they have will review close my account in 30 to 60 days and send me the check. 
I need to access my money now and they are asking me to wait for 30 to 60 more days. I already waited 13 days to transfer and I can not Waite for 30 to 60 days

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 2024-08-21 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing me significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2024-08-21 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: MI

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 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: FL

Complaint narrative:
I have disputed this inaccurate information on my credit report. These items were not marked as disputed on my credit report in violation of the FCRA.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My information was stolen didn't know nothing about this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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:
Some one applied for credit in my name my XXXX has been used with out my consent My information has been exposed in serval data breaches i have not applied nor did i benefit from any of these inquires on my reports i ask that you remove these immediately Experian - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-08-21 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: IL

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I need help with my credit card in citi bank - account number is XXXX. I opened my account in XX/XX/year>. Citi bank requested form called XXXX to verify my social security number, they closed my account despite I sent them signed document. Then I was told several times that they received it and will reopen my account once they verify my information, as they told me it should have taken XXXX weeks generally to process it. I was waiting for several months and called in XXXX, representative told me that time that they still haven't sent it to process and only sent the form that time, but still I was told that it will be reopened. During that whole time my account was closed, despite they received my form, I had annual fee and was doing my payments on time, but XXXX time when I did payment I forgot to deposit funds in my checking and payment was returned, but eventually I made payment for that returned payment. Eventually when I called they told me that form was processed and information is verified, it was XXXX, so they delayed the process despite having document for many months. But they didn't reopen my account stating that it's 90 days passed and there is a returned payment. But it's not my fault that they closed account initially, they could just put on hold, but they closed it. Then they delayed the processing time of the document, despite having it delivered to them. And also I don't understand why XXXX {$40.00} dollar returned payment is a valid reason to not reopen my account, despite I did all payments previously on a closed account!!! Please help me with this issue. I am totally frustrated due to the way they behave towards this issue, I've never had such interaction or heard that someone had something like that. I feel they did this intentionally to not reopen my account, because how delayed everything. I feel I am discriminated due to how they tricked me to think they will reopen my account and did everything to delay 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 explanation
Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
FROM THE BEGINNING : I opened a line of credit with XXXX Company for XXXX with XXXX XXXX XXXX. I made my first payment XXXX on XX/XX/XXXX. I did not miss one payment. I was not able to pay on time like I wanted to because the bill was due on the 3rd of the month, which is around the same time the rent was due. I dont have enough money left over to pay this bill on time after I paid the rent, so I paid with the next check. I have 2 checking accounts. I made 6 payments with one account and 5 payments with the other. Which was a total of XXXX. Then they sold my account to Concor Credit. When the new company took over I made my first payment with them in XXXX and I made my payment in XXXX which brings my payments up to XXXX. Concor Credit is saying I owe them an extra 588.00. That is not true and I have the bank statements to prove it. I know this can not be late fees, if so this amount can not be legal. Again the amount of the credit line is XXXX and I have paid XXXX which means I should only owe XXXX. I found out about the XXXX when I called in to make a payment and the CSR XXXX told me all of this and said that I bounced a check. My bank confirmed that is incorrect and again I have the statements to prove this. I made a payment of XXXX and said I was going to dig deeper into this matter. They are trying to rip me off and I am not taking it lying down. I just want to pay this debt off and move on. Please let me know if you need any evidence from me. 
AND NOW!!! 
I called almost 3 weeks ago to pay off my bill and once again they quoted over XXXX being owed, This is after they called and explained that they see all my payments and to pay this account off would be XXXX. 
I have left 3 messages so far, requesting a call back so the matter can be resolved. 
No one has called me back.I think what they are trying to do is let the bill go until I do have to pay them interest. 
Here is my resolve if they do not contact me before XX/XX/XXXX. I am call the " States Attorneys Office and open an investigation, not to mention I have already spoken to a lawyer. " Im tired of this!! All I want to do is pay my bill and close my account, but they are trying to rip me off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
Loan Depot attempted to collect the auto-payment from my XXXX XXXX XXXX  account XXXX but the some of the needed funds were in a different account in XXXX XXXX. Loan Depot received a NSF response from XXXX XXXX, but failed to notify me either by email or phone ( which they have contacted me by both methods in the past ). When I noticed that the funds had not been taken for the XXXX mortgage payment, I called Loan Depot and requested the payment be taken. The agent said nothing about any fees. 
When I checked my LoanDepot account on the internet, I discovered that I was charged a late and returned check fee. They had created a letter to notify me, but had never attempted to email it to me, just sat in the webpage. 
When I chatted with their customer service agent, I was told that they " couldn't waive the fees ''. They stated " In accordance with XXXX XXXX guidelines, loanDepot must uniformly apply its policy on late fee or return fee waivers without discretion, except in cases of confirmed errors by loanDepot. For this reason, we are unable to waive a fee unless an error occurred. '' I stated that the error was not being notified, but they refused to accept any responsibility, and refused to waive any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue with late payments on my credit report. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.

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 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue with late payments on my credit report. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter promptly and effectively.

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 2024-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Consumer Financial Protection Bureau, It shows on XXXX website the Jc Penney 's account was closed on the bank XXXX 's App. I can only view XXXX when I am logged in to XXXX. The problem is XXXX is accessible on XXXX 's App when I am logged in to my bank, credit accounts. When I attempted to log in to XXXX without XXXX I chose forgot my username. It showed to enter my birth date and social security number. It showed Sorry, but that didn't match up. Please try again. I entered the correct birth date and social security number. I had plan to apply for a car today and now my credit score shows poor from good within a month. 

I also should not have poor credit score because of Jc Penneys. I could not get a confirmation of from JC Penneys before and after my complaint with the consumer Financial Protection Bureau about their phone number show scam on the caller ID when they called me about my complaint and bill. There was a problem with their website and I could not log in to account that was not addresses after my complaints with your office. Will you please ask JC Penneys to contact both XXXX and XXXX XXXX  about their history effecting my credit score?

Please again mention to Jc Penneys I do not know if I am speaking to their office if it continues to show scam on the caller ID when they call me by phone? 

Sincerely, 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 2024-08-21 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: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with ) was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-21 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation