vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
Citibank closed my Citi Costco account and told me it was because my Costco membership was expired. I verified with Costco that my membership was current, paid up for a year and active. I have been a loyal customer for over 10 years and my account is current and payments made on time or early. They closed the account and left it as open on their website and app showing available credit. I tried to use the card to buy groceries and it was declined. When I called, he told me it was closed even though their website shows it as opened and payments were current. This is deceptive financial practice and complete. Disregard for customer loyalty. I called and it was given false information by multiple representatives. This will now negatively affect my credit score, which I have worked hard to build up. Citibank is causing financial hardship for me even though I have been a good customer for many years.

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 2024-02-08 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : XXXX : No. of Months ( terms ) is reported as XXXX, while TransUnion and XXXX report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while TransUnion and XXXX report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
TransUnion and XXXX : Date of Last Payment is reported as XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

Sincerely, 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 2024-02-08 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding discrepancies in my credit report that have come to my attention. After reviewing my credit report, I've noticed inconsistencies in the reporting of the XXXX account, which is affecting the accuracy of my credit profile. 

As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies like yours are mandated to maintain accurate and fair credit reporting. Specifically, under Section 1681e of the FCRA, it's required that consumer reporting agencies adopt reasonable procedures to ensure maximum possible accuracy in the information they report. Furthermore, Section 1681i grants consumers the right to dispute inaccuracies and request investigations into disputed information. 

Upon reviewing the credit report provided by your agency, I've noted the following discrepancies regarding the XXXX account : Equifax : No. of Months ( terms ) is reported as XXXX, while XXXX and XXXX report 63 months. 

Date Last Active is reported as XX/XX/XXXX, while XXXX and XXXX report XX/XX/XXXX. 

Two-Year payment history for XX/XX/XXXX is missing. 
XXXX and XXXX : Date of Last Payment is reported as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 
Two-year payment history for XX/XX/XXXX is missing. 

These discrepancies not only violate the FCRA 's requirement for accurate reporting but also undermine my ability to access credit on fair terms. Therefore, pursuant to the FCRA, I kindly request that you immediately investigate and rectify the inaccuracies in the reporting of the XXXX  account on my credit profile. 

I understand that the FCRA mandates a prompt investigation and resolution of disputes within 30 days of receipt of a consumer dispute. Thus, I kindly request that you provide written confirmation of the removal of the inaccurate information from my credit report within this time frame. 

Thank you for your attention to this matter. I trust that you will address these discrepancies promptly and in accordance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against Westlake Portfolio Management ( WPM ) regarding their handling of my account. On XX/XX/XXXX, I contacted WPM to cancel my GAP insurance and requested a copy of my service contract with XXXX. During this interaction, I spoke with XXXX XXXX XXXX from the XXXXXXXX XXXX XXXX XXXX 

XXXX XXXX assured me that he would provide all relevant files from my digital portfolio, including the original contract with US Auto and the Service Contract with XXXX. Subsequently, I received an email containing several attachments. Unfortunately, these attachments raised serious concerns : Debt Validation Letter ( XX/XX/XXXX ) : This document was included in the email, but it does not pertain to my request for service contracts. 
Involuntary Repossession Receipt ( No Recorded Lien Holder ) : The receipt lacks crucial information about the lien holder, which is essential for transparency and compliance. 
Transfer of Title from Former Owner : Again, this document is unrelated to my original request and contains sensitive information that should not have been shared.

Contract Listing a Similar VIN but a Different Consumer Contract : This discrepancy is alarming and suggests a mix-up or mishandling of documents.

Furthermore, the attachment containing these items appears to violate 38 CFR 75.113, which safeguards the privacy of American consumers. The inclusion of unrelated documents and the potential data breach raise serious ethical and legal concerns. 

I have reason to believe that my personal information has been released to someone other than myself, compromising my privacy rights. Despite previously filing a complaint, I have not received a satisfactory remedy. The response from Power of Attorney ( POA ) merely stated that WPM and Westlake Financial have been assigned ownership of my account, without addressing the specific issues raised. 

Therefore, I kindly request that the CFPB investigate this matter thoroughly and take appropriate action to rectify the situation. I seek assurance that my privacy rights will be upheld, and any data breaches promptly addressed. 

Please find attached relevant correspondence and supporting documents for your reference. 

Thank you for your attention to this matter. I trust that the CFPB will uphold consumer rights and ensure fair treatment for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
Had an issue with my account which was on autopay being paid after receiving a notice that my account was 45 days past due. I reached out to customer service, which is only accessible via email to have the issue resolved. After troubleshooting, they came to the conclusion that the issue was internal with their mobile app. I was then transferred to the IT department so they could investigate further. After three weeks of going back and forth, they were finally able to manually link my bank account. As soon as my accounts were successfully linked, I scheduled a payment to have my past due balance taken care of. A couple of days later I received an email that they were terminating me and transferring me to another bank. When I asked why and explained that I was in contact with them to resolve an issue that was at no fault of my own they told me that they cant answer any of my questions and that my account had been transferred. My credit score has no plummeted due to an issue on their end and they refuse to give me any further answers or help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: DE

Complaint narrative:
I am submitting a formal complaint against TransUnion for their failure to adequately respond to a dispute letter that I mailed on XX/XX/2023, requesting an investigation into inaccurate items on my credit report. In my dispute letter, I specifically requested investigations into the following entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and US BKPT CT DE XXXX - XXXX. Additionally, I disputed incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included copies of my photo ID, social security card, and a recent bill with my current address. 

However, despite mailing the dispute letter and providing necessary documentation, I received a response from TransUnion, dated XX/XX/2023, indicating that they were unable to process my request because it did not appear to have been sent directly by me or an authorized third party. This response indicates a failure on TransUnion 's part to acknowledge the legitimacy of my dispute and comply with their obligations under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, credit bureaus are required to conduct a reasonable reinvestigation when the completeness or accuracy of any information is disputed by the consumer. It is evident that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights.

Enclosed with this complaint are copies of the dispute letter I sent to TransUnion, along with TransUnions response, serving as evidence of my attempt to address inaccuracies in my credit report and TransUnion 's failure to conduct a proper investigation.

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 2024-02-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Security Credit Services continues to hold a debt in my name that is not mines. Per the records of request to have this item removed I have provided a physical copy of my passport as I do not have a license at this time as proof of Identity and I have also provided a copy of the police report and Affidavit. As requested for investigation I mailed this information within the 30 days of the document they provided me which is included in the documents in this package along with proof of mailed receipt showing delivery which is included. However after providing the documents requested via mail they have not provided any results of investigation and the debt still remains in my name even though Ive provided all the evidence theyve requested. In the previous complaint they stated that the ID was not legible so I have provided legible ID of my passport.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I paid off my entire balance on Monday. 

The payment posted, then the very next day, American Express said I owe them {$70.00} in fees! I paid everything! They just added fees even though I haven't used the card, so the {$70.00} isn't justified. 

I want that refunded and my balance should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I called Chime Customer Service- the number on the back of my Chime card - to ask them if there was any way that I could delay my car payment autopay by a few hours to give time for my check to hit my account. In the middle of the call with an agent, the call dropped. As I was about to try to call again, I received what looked to be a " callback '' from Chime. When I answered, the individual represented themselves as a customer service representative for Chime and told me I needed to " verify my account '' before they can proceed by sending {$400.00} to a " dummy account '' at a phone number I didn't recognize. They pressured me into sending the money, stating that it was a " dummy account for verification only, '' and that " we do this all the time with our customers. '' They stated that " not a single penny '' would actually reflect out of the balance once the transaction went through. However, the money actually did come out of my account, and was sent to a " XXXX XXXX, '' which is likely not even their real name. Then, at the end of the process, they asked me to send a screenshot to another phone number for " confirmation. '' Once they received it, they hung up on me. I attempted to contact Chime Customer service, and filed a dispute, which they told me would take " up to 45 calendar days. '' However, I just got the dispute result email this morning saying that they " found no error '' and would not be refunding my money. That money was for my car payment, I CAN NOT lose my vehicle for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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:
I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. This Account has several inaccuracies that relies within it and after asking to verify and remove the problem was never fixed. 
In Accordance to the FCRA ( Fair Credit Reporting Act ) 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy Standards for creditors that provide data to agencies.

Cleary this law was not followed through, if I am STILL seeing inaccurate information on my credit reports till this day. Each of the credit bureaus is not correlating with each other and I am suffering due to incorrect and inaccurate information that is reporting, when this account was not mine in the first place. 
Inaccurate Accounts listed and the bureaus that's reporting it inaccurately : TransUnion : Account Number- XXXX Date Opened- XX/XX/XXXX High Credit- {$15000.00} Date Last Active- XX/XX/XXXX XXXX : Account Number- XXXX Date Opened- XX/XX/XXXX High Credit- {$0.00} Date Last Active XX/XX/XXXX How is this report considered accurate when the account number doesn't even match.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-08 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: MI

Complaint narrative:
Experian will not open a dispute I have identity theft.. I received a email from them asking for more docs when called them to ask how to send them they said this Experian explains the law states I can not dispute something thats already been disputed per our rude phone conversation on XX/XX/24 I don't see that anywhere in the FCRA 605. I would like Experian to take the law seriously and delete this item off of my report I have been denied for credit bc of this problem I have uploaded all the supporting docs that they requested in the email in this complaint since they are not providing me away to get them uploaded I will be also contacting an attorney for this matter Thank You

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