vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I responded to preapproved Citibank credit card offers I received via mail. I was declined when I applied on XX/XX/XXXX [ Hard inquiry on XXXX ]. Then in early XXXX I received another preapproved offer. It was for a different card, so I thought maybe they were qualifying me for a different card??? Declined again on XX/XX/XXXX... I then realized I have a 2nd Hard Inquiry ... .but on XXXX XXXX So 2 hard inquiries and I get nowhere. On XX/XX/XXXX I finally called them because I've received 2 MORE PREAPPROVED OFFERS... they gave me the run around, said a supervisor would call me back within 2 days ... never happened. I received ANOTHER CITI Custom Cash Card Preapproval on Wed, XX/XX/XXXX, so I called again TODAY... finally got to a supervisor... they put it all as my fault when it is not. I am being victimized ( yes, I've both gone online to OPT out and called to OPT out of screenings/offers... but Citi doesn't seem to care and now that they have hurt my credit with 2 hard inquiries and I have even more preapprovals from them and they don't care that they are victimizing me and my credit score ... tell me it's my problem they didn't do anything wrong. I did my research ... and checked my 'soft inquiries ' on all 3 credity bureaus ... CITI has never done a soft pull to preapprove me ... so that eliminates that being their source. I think they are violating numerous consumer protection laws by fraudulently sending me preapprovals when they've declined me 2 times. I have to take a stand. They are obligated by the Office of the Comptroller of Currency to ensure they are utilizing valid data on any preapproved or prescreening Solicitation campaigns. They have violated my rights and, refuse to do anything. I asked that they remove my name from everything related to Citi, they remove the 2 hard inquiries, and that they further carefully reevaluate their credit card solicitations to minimize exactly what I am experiencing. They refused to do anything whatsoever, including excluding me from any solicitations from Citi. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that my personal information is not currently matching up with my I dentification. I would like to get my address corrected and update the city. I have included documents below.

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 2023-09-16 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently contacted all said company 's in regards to my information being used without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
I received unauthorized and unverified inquires on my credit report that I did not give access to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: OneMain Finance Corporation
State: TN

Complaint narrative:
I received unauthorized and unverified inquires on my credit report that I did not give access to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-09-16 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
A while back I signed up for an online Experian account for credit monitoring purposes. However, after some time, my account was stolen by an unauthorized person. Passwords and usernames were changed, while this user had access to my account. This has been resolved, but because reaching a person for this matter was so difficult, I had also requested to have this account deleted and the ability to sign in to this account online to be removed. 

However, I had come to find that the only thing that was cancelled was by monitoring subscription. I now have a " basic membership. '' I have called multiple times to get the entire account, membership and any online access to be deleted/removed. Each time they have told me they will submit a request, or that I must mail a request. I have mailed a letter to them with no results as well. 

I am submitting this complaint due to the lack of response, and also no ability of my own, over the phone or online, to delete my online account or any basic membership.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I had fraud on the account filed a a police report and fingerhut refused to investigate they just charged it off and sold the debt to LVNV Funding LLC. Now there trying to collect on debt thats not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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 sent 3 rounds of letters to dispute my account and nothing has happened.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes.

You and your inaccurate reporting have damaged my livelihood.

15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies : a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; Exact Prohibition : a law or regulation forbidding something As define by the IRS- Even if you didnt receive a form 1099-C you must report canceled debt as gross income on your tax return. 
Account # XXXX balance of XXXX XXXX XXXX XXXX XXXX XXXX  This is a charge off and I demand a form 1099c for tax purposes!

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 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: IL

Complaint narrative:
An " instant transfer to bank '' from XXXX to my checking account at PNC ending in XXXX for {$980.00} on XX/XX/XXXX  never arrived. I have attempted to resolve this with consumer banking support at PNC, the wire department at PNC and also the treasury management at PNC. 

XXXX asserts that the funds were transferred via the " bank-to-bank Real-Time Payment '' rather than an ACH or direct deposit. No one at PNC is able to assist me and no one seems to know what an RTP payment is even though there is an entire webpage on PNC 's site dedicated to RTPs. 

Again, XXXX has asserted that the funds have transferred. I do hesitate to escalate this situation ; however, PNC Bank is unhelpful and also unaware of their own services. The transaction ID provided by XXXX is : XXXX. 

I appreciate any assistance in locating these funds of mine and to ensure that they are promptly deposited in my account. 

Moreover, these missing funds that were not properly credited by PNC have unfortunately caused my checking to overdraft last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: GA

Complaint narrative:
Equifax is not report accurate information. I have asked for my consumer report to be updated accurately. 

Name : XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In the year 2020, I deposited and opened up a bank account with Navy Federal Credit Union on XXXX XXXX in XXXX XXXX, CA XXXX. After only a few months, I reviewed my own documentation of banking accounts noticed that there was transfers and releases that were made to and from the checking savings and market account. They all of a sudden denied all communication and froze all the access with my accounts and money. They did not allow me to access anything with my accounts or communications. They put a bank check aside for me for {$110000.00} after closing and holding the rest of my money. There was an additional {$120000.00} that was still on my account and its proven that there is a check released but I never received the check. Im tired of going through this and I need someones assistance. All I need to know is who that check went to. When I went into the branch the manager was there, one of them and the day after that when I went to check again, she quit on the spot and as far as I know left outside of the US. The other XXXX XXXX XXXX, I was informed to switch to branches, so they froze my account and they put all this money extra money into the investment account. Theres a substantial amount of withdrawals, transfers, and proceedings with my money that I did not allow authorize and I have proof of this. Ive been working on it for years and I cant get no assistance. Ive been illegally frauded by the individuals of this bank And if they are not cited, the bank should be held responsible. There is proof that I got the {$110000.00} but theres still a {$120000.00} that needs to be found because I did not authorize that. Why would I give these individuals that much money of mine when I dont even know them, and they criminalizing me and victimize me in my life That still needs urgent notice and prompt awareness and proceedings illegally fraudulently Ive been scammed XXXX XXXX, taking vulnerability from me and theres so much at stake here and I still cant I get help. I keep submitting these references to you guys because its going nowhere please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jim Bottin Enterprises, Inc
State: MD

Complaint narrative:
On XX/XX/23, XXXX 's XXXX ( XXXX, Maryland location ) issued a {$25.00} charge for a daily guest pass to a XXXX credit card account ending in XXXX that is not, or no longer, being used by me. My member ID from another gym was fraudulently utilized as I am not a member of this XXXX 's XXXX location. ABCFinancial will attempt to collect payment. The billing XXXX at XXXX 's XXXX is not able to resolve this due to personal inaccessibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm so disappointed on how this came in form my credit report. I've never been late and I work myself day and night which is so unfair to me as you XXXX  damaging my reputation as a consumer.

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 2023-09-16 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: NY

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. 

XXXX XXXX XXXX Card : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX  XXXX : # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: NY

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. 

XXXX XXXX XXXX Card : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXXXXXX : # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation