vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> I received a Barclays JetBlue credit card in the mail that I did not apply for. I immediately called the telephone number to report this and was told that they had closed the account down for fraud and reported it to their security investigation unit and labeled it as fraudulent they said that the account was closed and I should get a letter from the investigator, anywhere between XXXX days up to XXXX weeks I didnt receive another letter, but they assured me at the time that the account was closed. They did not say if the account was used if there was a balance nothing I did not receive any other communication from Barclays then I received a letter which is dated XX/XX/XXXX that I had enrolled in paperless statements which I did not because to my knowledge the account was closed, I called immediately and was told that they did complete an investigation and it Was determined that it was not a fraudulent account and that the card was used in XXXX for a flight. They would not give me any further information they said they would open it back up to the investigators, which is obviously not a resolution. I was victim of identity theft that I had no idea was even transpiring. This was one of three attempts to open a credit card. I had put fraud alerts on my credit after this happened in XXXX I also received a letter from a health insurance company that I was part of a breach back in XXXX that I assume maybe was where my information was sold to try to open these accounts but Barclays did not to my knowledge did not close my account if Im still getting correspondence in regards to this account I want to ensure that this is in fact flagged as a fraudulent account. I want all if any balances or reporting that were made on my credit report removed because it was fraud, and I want everything in writing from Barclays. In my opinion, it should be easy to identify it. It was not me who opened the account because I clearly did not fly anywhere on the dates theyre saying, and I dont understand how that wouldnt be something that would be easy to investigate, whereas you cant fly without identification, and I can prove where I have been and I know for a fact, I was not on a flights During the time theyre saying have I flown JetBlue recently

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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: WV

Complaint narrative:
Hello, I have an issue with First National Bank of Omaha, I signed up for an Amtrak Guest Rewards card recently. I will include the screenshot. They have two cards. I signed up for the " Amtrak Guest Rewards @ Mastercard '' the card that was on the right that has " no annual fee ''. Surprise to me when I receive my statement I am being charged an annual fee of {$100.00} which means they have me under the " Preferred Amtrak Guest Rewards '' card. I read over both and I clearly remembering selecting and clicking on and applying for the card that had no annual fee. 

I called in to see if they could help me and they had now idea what to do and said someone would call me back well it's been a few days now and I've not received a call back, but of course I now have a statement saying I owe {$100.00} for my annual fee and it's due on XX/XX/year>. I told them I'm extremely unhappy as this is the first experience with them and I feel mislead and tricked. I know that what I clicked on and signed up for and this is not the card I wanted and agreed to. This is completely unfair and has potential consequences to my credit score if not handled correctly. These companies should be held accountable for their misleading practices. 

On my statement the address is listed as FNBO, XXXX XXXX XXXX XXXX, XXXX XXXX if you need anymore details I'm happy to provide those.

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 2024-08-23 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: VA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX concerning their inaccurate reporting practices to the Consumer Reporting Agencies. 

My complaint pertains to the following issues : XXXX. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( XXXX, Equifax, and XXXX ) .Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports. 

XXXX. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm. 

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. I have been disputing the following account and it keeps getting validated. XXXX XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and XXXX has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

XXXX : XXXX, Beneficiary WithOut Prejudice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
. I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found this account XXXX XXXX, XXXX XXXX XXXX XXXX on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible

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 2024-08-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I recently found that CitiBank enrolled me in a debt protection program without my knowledge and I have been paying it for several months. We are talking about close to {$1000.00}. I am in the process of contacting them, but why are they able to enroll me in a program without my knowledge? Will i be out all this money or will they reimburse me for all payments.

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 2024-08-23 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: NJ

Complaint narrative:
My name is XXXX XXXX date of birth is XX/XX/XXXX & i frequently have to write reports to cfpb regarding XXXX XXXX. I have a late payment on my credit report from XX/XX/XXXX. I already wrote in a complaint about this specific thing & i am asking if it can be removed from my credit report. During the time of XXXX, i was going through a long & exhausting process with XXXX XXXX regarding unauthorized charges. As the unauthorized charges seemed to be resolved i believe that there may have been a mix up in payment being marked as late. I have always been on time with payments & i seem to have a problem with XXXX XXXX frequently for the past year now. I've been a loyal customer for almost 3 years & despite all the troubles i have had with XXXX XXXX i still stayed a loyal customer. Last case i wrote, i was told XXXX XXXX  can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, i am always on time with payment. i dont believe i ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, i am asking for the late payment to please be removed from my credit report. 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
Consumer complaint received 2024-08-23 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: GA

Complaint narrative:
This is the letter I wrote to them requesting removal of two accounts they were reporting.

I am writing to dispute inaccurate information on my credit report. The account in question has several errors that need immediate attention : Incorrect Date of Closure : The reported closure date is inaccurate. The account was paid off and closed years prior to the reported date.

Negative Reporting on a {$0.00} Balance : Despite a {$0.00} balance, the account is still being reported negatively. This is unjust and misleading.

Expired Reporting Limitation : The account should have been removed from my credit report as it has exceeded the seven-year retention period. 

I kindly request that you investigate and correct these discrepancies promptly. Accurate reporting is crucial for maintaining a fair credit history. Please provide written confirmation once the necessary corrections have been made. 

Thank you for your attention to 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Multiple calls trying to collect a debt that is not mine. Debt was incurred in Illinois and I explained to them that I have never been to Illinois. There response waswell your name is XXXX XXXX to which I responded that there are many XXXX XXXX. 

They asked for personal information which I refused to give them in attempts to avoid identity theft or scams. 

Very unpleasant and unhelpful and the women basically just hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
American First Finance denied me an extension of credit after accessing my credit. According to 15 USC 1681a ( k ) ( 1 ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within 15 U.S. Code 1601- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, 15 U.S. Code 1691 - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through American First Finance, entered me into a consumer credit transaction therefore a finance charge arose. I have an account with American First Finance but they are not allowing me access to the credit line or information about the valuation of the application that they received. I feel like I am being discriminated against and this is causing damage because I was relying on this company to uphold the offers stated in their SEC filings for note holders. All companies that sell securities in the United States must register with the Securities and Exchange Commission ( SEC ) and file reports on a regular basis. As a note holder and investor, I would like to know why credit is being accessed and used by this company while I am being denied? on their website, https : //americanfirstfinance.com/contact-us/, within their " Frequently Asked Questions '', they respond to the Q : What does No Credit Needed mean? with the A : No Credit Needed means that you may be approved for financing or leasing without a credit score or credit history. Applicants with poor, or even no credit, may be approved, but credit is checked as part of the application process. Your credit score is not the sole consideration for qualification. You are invited to apply, no matter what your credit history is!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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:
I filed personal bankruptcy XX/XX/XXXX. I have not reaffirmed any loan obligations and my case was discharged accordingly. All activity and obligations ceased and from that point forward, I had no liability as signature or co-signer to any previous outstanding balances or commitments. All creditor abided by the ruling and negative credit lines were removed and on XX/XX/XXXX except for one creditor. XXXX XXXX XXXX continues to erroneously report on Equifax that my last activity with them was a payment somewhere around XX/XX/XXXX with the intention and effect of extending their negative reporting on my credit report till XX/XX/XXXX. I find this offensive and in violation of bankruptcy law. I want to state emphatically, I have not made ANY payments to XXXX XXXX XXXX after my bankruptcy court date in XX/XX/XXXX, do not engage in any way with this company and find their denial of these facts after XXXX disputes filed thru Equifax between XXXX XX/XX/XXXX to be negligent in their adherence to US Bankruptcy Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: AL

Complaint narrative:
Did not do an investigation at all. My social security number was breached. All the negative items and inquiries need to be removed immediately. How can an account keep reporting charged off for XXXX, XXXX, etc? An account can only be charged off one time. This is clearly a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I have had the car loan since XX/XX/XXXX. From loan beginning, up through XX/XX/XXXX, I have paid a total of {$5000.00}. Of this amount, only {$1100.00} has been applied toward the principal. That is barely 23 %!!! Or worse yet, thats 76.7 % interest! I do understand that in the beginning of a loan, much of your interest and loan fees are whats being collected. However, my rate ( while deathly high ) was supposed to be 32 %. And that is one year and a half of getting nowhere with this loan. One payment of {$300.00} had XXXX cents applied to the principal. What is happening here, and HOW are they allowed to do this?? Also, their lending fees are outrageous. 
Is this predatory lending practices???? 
I have included 3 statements, but I do have all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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:
. I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found this account XXXX XXXX, XXXX XXXX XXXX, 2022 on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible

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 2024-08-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
. I recently received a copy of my credit report. I was shocked to find out that I was a victim of identity theft. I found this account XXXX XXXX, XXXX XXXX XXXX, 2022 on my report that I did not open. This has been hurting me as I am in the process of buying a house. please remove the fraudulent accounts from my report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have been trying to reach the company by phone to resolve a problem with online banking. I called on XX/XX/year> 4 times and was disconnected each time. On XX/XX/year> I called 3 times and was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: IL

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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