vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an offer from Citibank for their " Citi XXXX XXXX Saving Account ''. The offer detailed the minimum dollar amounts to earn XXXX XXXX XXXX XXXX. They range from {$10000.00} to {$50000.00} to earn XXXX miles up to XXXX. 
The terms were for new savings accounts only. Award miles would be accrued after 90 days of maintaining the minimum balance. 
I have met all of the terms. Citi has not honored the terms. I have called, chatted, and faxed supporting documentation ( their mailed offer ) more than half dozen times. 
I believe Citi is engaging in fraudulent activity involving the United States Postal Service and could or should be prosecuted for this activity.

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 2024-03-25 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: MI

Complaint narrative:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-25 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:
I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Based upon Bank of America 's latest response to my last complaint, Their response is absolutely unbelievable and just proves that at Bank of America : " The right hand does not know what the left hand is doing ''. 

It took me less than 15 minutes to do a complete & comprehensive review of what Bank of America sent to the OCC & CFPB and I was able to determine that only Bank of America is 100 % responsible for using false and mistaken information they received from an unnamed third-party vendor to declare me deceased on XX/XX/2023. 

The entire senior executive management leadership team at Bank of America, especially XXXX XXXX XXXX, the CEO at Bank of America needs to be held professionally & financially 100 % accountable & responsible for this serious breakdown in management control and their lack of using human review and oversight along with the appropriate level of due diligence to stop this GROSS NEGLIGENCE immediately. All Federal banking regulators, the XXXX and the CFPB, need to immediately conduct a full and complete independent investigation of all the Policies and Procedures at Bank of America, the second largest banking institution in the United States. This is a very serious situation that might also demand a public hearing before the Senate Banking Committee headed by XXXX XXXX XXXX. I personally would be more than willing to testify if such a hearing would be scheduled. 


Respectfully, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : XXXX XXXX XXXX Account number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I mailed a letter to American Express, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. 

Neither of the companies replied to my letter, and neither XXXX of them complied. 

I have attached the letter that I mailed each company on XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
After reviewing my consumer report I have found that several companies have violated my rights as a federally protected consumer. Companies in violation : XXXX XXXX Acct # XXXX XXXXAcct # XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct XXXX XXXX Acct # - XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX Acct # XXXX In accordance with the fair credit reporting act, under 15 U.S.C 1681s-602 it states I have the right to privacy and these creditors have violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Privacy Act of 1974 states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Even after my information as a consumer was provided to a 3rd party without my authorization or consent, the reporting agencies have inaccurately reported information to my consumer report. This is a direct violation of 15 U.S.C 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. I have attached additional documents that show these companies unlawfully provided my personal, nonpublic information to 3rd parties WITHOUT my consent, as well as discrepancies ( highlighted items ) in my consumer reports which are the following : Inconsistent Derogatory Remarks of alleged late 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 2024-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
This is that I paid in XXXX with XXXX XXXX XXXX XXXX. I have notified the debt collector, resurgent capital services. The debt is well beyond the statute of limitations for Rhode Island regardless. I have paid the debt, reference number XXXX. I have notified the attorney general of my state as well. Am concerned as this type of behavior is very predatory, and could attack seniors who may not be aware they have paid the debt off in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I got a loan and they said I couldnt have it without out life insurance to pay off the loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-25 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: USCB, Inc.
State: CA

Complaint narrative:
UCSB AMERICA : XXXX It is illegal to report to transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I have owned homes since the XXXX, and this one since XXXX. I have NEVER been late on my property tax, and my invoices always thanked me for paying my last bill on time. In XXXX last year I received a late notice from the City of XXXX Property tax people and they wanted a XXXX late fee and the amount due for XXXX and XXXX, coming to $ XXXX. I knew I paid and checked my bank account online. It said XXXX was paid on the XXXX and XXXX on the XXXX. I remember their warning letter to me was sent after the check was deposited. 
I called the city and explained I have no idea why it was deposited on the XXXX as it was sent like all the others for decades. I noticed they have a notice on all bills now the mail has changed so plan ahead. I do know I've had 5 different mailmen lately, since covid and the new head of USPS. I also do not know when THEY, the city, deposit things now. I remember a notice they weren't there and listed ways to pay now. 
Anyways, XXXX AND XXXX were paid and I was paid up for the year but they still wanted their XXXX. I said that is steep for a late fee, most companies excuse people late 1 time ( even tho I wasn't ). She said I have to pay. I'm guilty with no proof. 
I called and wrote my alderman. No response. My county supervisor..she contacted the alderman. No response. Then I get a collection agency using a lawyers name Kohn law office. I researched and a XXXX XXXX was the founder but I don't think he works there. NOW the bill is like {$82.00}. I WROTE A CEASE AND DESIST LETTER ( certified ) telling them not to contact me. I would deal with the city directly. THEY DID WRITE ME BACK.. This time it was a XXXX XXXX, Attorney at law. He sent a bunch of print offs saying " Here are the documents you asked for. '' I asked for nothing. I have all I need. He's just keeping his agency on the books for more money. 
Then I wrote my representative in XXXX, who contacted my alderman who told him he handled it before.?? XXXX XXXX,, alderman, secretary, XXXX called me and said she had this trouble once and they will sue me and take me to court and you'll pay {$900.00}. The collection place said they might assign it to an attorney for suit and I might get a lien on the house. {$76.00}! And I sent everything on time. So today I get a ad in the mail from a guy who buys houses from tax delinquent people. This collection agency is harrassing me and I'm not delinquent and never have been. I'm XXXX years old. 
Help me. I refuse to pay when I was never ever late. 
XXXX, the secretary said the city is bad cuz they're short XXXX XXXX on property tax. It's wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not authorize this company to run a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately FCTUALDATA XXXX XXXX XXXX FCTUALDATA - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-25 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:
XXXX is furnishing deceptive information to Equifax that is incorrect. This debt has not been validated and Equifax has provided no evidence to me that proves this debt is mine. No notice has been sent to me by Equifax for me to dispute this debt before it was added to my consumer report. This debt has also been canceled and reported to the IRS as income so it can not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional Acceptance submitted an Account # as a1099-C on XX/XX/2021. However, they are listing it on my consumer report as " Written off, '' which contradicts its classification. This constitutes furnishing inaccurate information, a violation of 15 U.S.C. 1681 Section 2. Additionally, it can not be categorized as both a charge-off and a collection simultaneously. The IRS designates this as income, not to be reported. Regional Acceptance 's inaccurate reporting raises concerns about the authenticity of the entire account and breaches the FCRA by reporting income on credit reports.

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 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
WellsFargo closed my checking account on XX/XX/XXXX because they did not received a response from me to a letter they sent. My fault for not changing the address on my account when I moved. They never emailed me of attempted to call. 
I spoke to them beginning of XXXX and they told me they had sent a cashier 's check, however they sent it to the old address and therefore I never received the check. After many calls with the service department, I finally was able to open a case with their escalation department on XX/XX/XXXX. As of today, XX/XX/XXXX, nothing has happened. I keep calling and they keep telling me that " they are working on it ''. My case has changed two escalation associates and no one is able to do anything or provide updates. The balance on my checking account was ~ $ XXXX, it is a significant amount and I need WellsFargo to simply send me another check to a new address I provided back in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX  Account Number : 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 2024-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Each of the listed companies below have not given any written disclosures or contracts to sign or agree to terms of reporting to my consumer report and/or paying any debt. The companies also have not sent any verbal or written documents informing me of any debt and the companies are as listed : SPRING OAKS CAPITAL LLC XXXX {$1100.00} SPRING OAKS CAPITAL LLC XXXX {$720.00} SPRING OAKS CAPITAL LLC XXXX {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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:
There are XXXX inaccurate and historic accounts listed from the same creditor that is past the statute of limitations for collecting debts in the state of Florida. The last payment made on this account was on XX/XX/2018, and according to Florida state law, the statute of limitations for collecting debts is 5 years this debt is time barred and no longer collectible. Both accounts presence on my credit report is inaccurate and unfairly impacts my credit history. Evidence to support my claim is attached. The account numbers are XXXX and XXXX. Both accounts are listed under 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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Recently, I reached out to this company to provide proof of validity of this debt. Due to my employer, I can not have debt on credit report. I was notified from my employer that this company put a collection on my account. In order to keep my job, I paid the debt. However, prior to this collection being put on my report I NEVER received anything. I should have received something certified mail stating this would be placed on my report. 

I was unaware of this debt. I didn't have the opportunity to dispute this information, if in fact you gave me proper notification then please send me the certified receipt with my signature. 

Account beginning in : XXXX

Company response to consumer: Closed with explanation