vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: Westlake Services, LLC
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. On my report, a late payment in XX/XX/year> for WestLake Financial Auto Loan was indeed paid on time. It's come to my notice that the missed payment on my record could hurt my ability to qualify for new credit. I trust that my previous actions do not reflect my creditworthiness and commitment to repaying my debts. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I'm now requesting you investigate this account and update these payments to be paid on time immediately. It would be a kind gesture if you could grant me a second chance and make goodwill in removing the late payment in XX/XX/year>. Thank you for your understanding and prompt action.

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 2024-05-11 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on XXXX XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/23, XX/XX/23. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 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:
According to the XXXX an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
The new response from Citizens bank is another intentional harassment. Request to e-mail a copy of my driving license is impossible because we do not have scanning service in our residence. Telephone conversation on important subjects I avoid because of hearing problems at my XXXX XXXX  of age, problem well known to the previous communicator from the bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened an account over the phone and enrolled with a checking bonus offer of {$300.00} I completed everything on ( XX/XX/XXXX ) to be eligible to receive my bonus which was confirmed by multiple representatives at Citibank. I was told by a supervisor that the money was supposed to be deposited into my account on or around XX/XX/XXXX. Almost 10 days later I called back and they told me they have no idea what happened to the bonus, and indeed confirmed that It was supposed to be deposited in my account by now. Supposedly Citibank has had an issue honoring their word and delaying paying out the bonus to qualifying members.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This debt was paid in full, yet this went on my credit report after the fact. Or Im seeing it after the fact. Im asking it to be removed from all credit reports involved. XXXX, XXXX and XXXX for all parties involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: GA

Complaint narrative:
improper use on your credit reporting

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 2024-05-11 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: Arivo Acceptance, LLC
State: GA

Complaint narrative:
improper use on your credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
There are multiple fradulent accounts reporting that DO NOT belong to me, I mailed a letter previously with my affidavit requesting a resolution, and they company perhaps never received the letter, or failed to invesitgate. I listed the items belong. 

XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-05-11 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-05-11 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: UT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-05-11 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: VA

Complaint narrative:
To whom it may concern, this correspondence is being submitted to verify the fact that I, XXXX XXXX, would like to have specific information deleted from my credit report, due to the fact that I have been a victim of identity theft ; The charges in question were not made by me. I am respectfully requesting that these items be permanently removed from my credit report. I have complied with reporting the theft of my identity to the XXXX XXXX XXXX I also have copies of the XXXX XXXX XXXX XXXX Identity Theft Affidavit. To review your records. As stated previously I am requesting to have the said Items removed from my credit report in a timely fashion. Thanking you in advance 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 explanation
Consumer complaint received 2024-05-11 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: LA

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

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 2024-05-11 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: 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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, 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 a 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 XXXX 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 2024-05-11 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: AZ

Complaint narrative:
The FCRA 605B stipulates the eradication of any misrepresented accounts from my credit report. These accounts exhibit inaccuracies in their reporting. Compensation of {$1000.00} per inaccurate entry in my credit file is warranted.

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 2024-05-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
Where can I send screenshots? I opened the account on XX/XX/2023. I have emails on XX/XX/2023. XX/XX/2023 and XX/XX/2023 about XXXX emails explaining how XXXX XXXX made a mistake on my promo code and that it was his fault and before we signed up at the bank we were told by XXXX XXXX that he will honor the promo. He lied and I have not yet received the promo and they denied it again knowing it is wrong and illegal. XXXX the supervisor denied it and did not care and I told her I have tangible evidence of screenshots that can prove Im not lying and they are in the wrong. We also had a valid address and lease in Florida.

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 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
A XXXX  % promotional XXXX on balance transfers was received from XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Citizens Bank. 

The promotional period is through XX/XX/XXXX. There is a note in bold print The balance transfer fee will accrue interest at the XXXX XXXX when you are no longer in your introductory period. ( XX/XX/XXXX ). On the statement covering XX/XX/XXXX - XX/XX/XXXX a {$3.00} interest charge was imposed. I called the bank and they reversed the interest charge. 

On XX/XX/XXXX a statement was received for period of XX/XX/XXXX - XX/XX/XXXX with another interest charge was imposed for {$2.00}. I talked with XXXX Customer Service Agents and XXXX Supervisor, XXXX in the XXXX  XXXX. 

XXXX told me that the charge is correct and it was spelled out in the solicitation. Her statement is inconsistent with the above quote from the letter. The XXXX  agent affirmed her statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: CITIBANK, N.A.
State: VA

Complaint narrative:
According to the XXXX  an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete 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 non-monetary relief
Consumer complaint received 2024-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested company to remove a late charge from my credit reports because it was their mishandling of payment options that caused the payment to be late. 

I scheduled the payments on their website to be paid automatically every month. However, I didnt realize that they only allow up to XXXX months at a time, and XXXX months later, XXXX XXXX put a late charge on all of my credit bureau accounts. All of my accounts everywhere else offer auto pay and us consumers never have to worry about it. I dont understand why they stopped the payment after XXXX months that is unfair to the consumer who is simply attempting to make payments every month. I do not believe that I should be penalized due to their mishandling and lack of options to pay them on time. 

The late charge that XXXX submitted on my credit report is the only account that shows late on any my credit reports that is a reflection of them, not me.

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 2024-05-11 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: FL

Complaint narrative:
I requested company to remove a late charge from my credit reports because it was their mishandling of payment options that caused the payment to be late. 

I scheduled the payments on their website to be paid automatically every month. However, I didnt realize that they only allow up to XXXX months at a time, and XXXX months later, XXXX XXXX put a late charge on all of my credit bureau accounts. All of my accounts everywhere else offer auto pay and XXXX consumers never have to worry about it. I dont understand why they stopped the payment after XXXX months that is unfair to the consumer who is simply attempting to make payments every month. I do not believe that I should be penalized due to their mishandling and lack of options to pay them on time. 

The late charge that XXXX submitted on my credit report is the only account that shows late on any my credit reports that is a reflection of them, not me.

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 2024-05-11 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: FL

Complaint narrative:
I requested company to remove a late charge from my credit reports because it was their mishandling of payment options that caused the payment to be late. 

I scheduled the payments on their website to be paid automatically every month. However, I didnt realize that they only allow up to XXXX months at a time, and XXXX months later, XXXX XXXX put a late charge on all of my credit bureau accounts. All of my accounts everywhere else offer auto pay and XXXX consumers never have to worry about it. I dont understand why they stopped the payment after XXXX months that is unfair to the consumer who is simply attempting to make payments every month. I do not believe that I should be penalized due to their mishandling and lack of options to pay them on time. 

The late charge that XXXX submitted on my credit report is the only account that shows late on any my credit reports that is a reflection of them, not me.

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