vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( 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 about whom the report relates. 
15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I signed up with the company on XXXX occasions in XXXX or XXXX and again around XXXX or XXXX I still never received any type of results but I was yet charged. Every time I spoke with some one they would keep advising it takes time and time never came on their end

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CITIBANK, N.A.
State: TN

Complaint narrative:
The company has approved a charge card without my approval, drivers license and signature, they do not have my mailing address and gives approval for someone of similar identity to open accounts and report derogatory information on my personal credit without my knowledge! These fraudulent people have opened charge account using XXXXXXXX XXXX and all three major bureaus have reported inaccurate information. Please remove charge cards from my personal credit file.

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 2024-12-30 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: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I checked my credit on XXXX XXXX noticed I had XXXX hard inquiries XXXX on XXXX by XXXX that I did not approve. I was also made aware via email after having to change my password XXXX of my credit card accounts had been hacked and a new credit card was issued to someone that I did not approve. Under XXXX a hard inquiry was made by XXXX XXXX  XXXX. I again did not apply for this. I received in the mail that afternoon a letter from XXXX XXXX about another credit card that need verification. I was able to contact them and let them know this was fraud. I received an email today from Regions regarding an account I did not open and will reach out during business hours. I had a freeze put on by all XXXX credit bureaus and received an email on XX/XX/XXXX that someone tried again to hit my credit that was stopped. My email has been compromised and have to change the password often. When trying to setup an online account via XXXX XXXX they had changed my username and password and phone number. XXXX XXXX did help get that fixed.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing ( XXXX ) XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Inquiry Date Remova Date Type Phone Number XXXX XX/XX/XXXX Automobile Dealers, New ( 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 2024-12-29 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: ID Analytics, Inc.
State: TX

Complaint narrative:
ID Analytics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ATTENTION : COMPLIANCE DEPT. 
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. 
My SSN # XXXX. Date of Birth is XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, while attending a XXXX party in XXXX Florida, my Chase credit card was utilized to make a purchase of XXXX XXXX  tickets valued at {$320.00}. I discovered this transaction on the morning of XX/XX/XXXX and promptly contacted the bank to initiate a chargeback dispute. However, a month later, the bank informed me that they were unable to dispute the charge due to the presence of evidence indicating that an individual with my name and email address had successfully used the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was trying to add an external bank account in my Huntington Bank account on XX/XX/year>, but neither the web app nor the mobile app works and ask me to call their customer service at ( XXXX ) XXXX. I then called this number, got transferred between multiple departments and being told that they can't help me because they DON'T KNOW where the problem is! 

The last representative that I spoke with is totally uninterested in helping me with my problem. She just asked me to hung up the phone and go check my personal information at the external bank. I asked about her name and only got her last name and being told that she was a member in Hungtion 's team in XXXX, XXXX 

The Complaint Case Number that I got from the last representative I spoke with is # XXXX, which I doubt if it's real.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
SOFI BANK HAS RESTRICTED MY ACCOUNT AND IS PENDING IT FOR CLOSURE FOR NO APPARENT REASON. 

ON XX/XX/XXXX I RECEIVED AN EMAIL STATING MY ACCOUNT HAD BEEN SUSPENDED TEMPORARILY DUE TO SUSPICIOUS ACTIVITY, I WANT TO PUT EMPHASIS ON TEMPORARILY BECAUSE OF WHAT HAPPENED NEXT. 

I CALLED THE BANK, AS THIS HAS HAPPENED TO ME BEFORE WITH THIS BANK I ASSUMED I NEEDED TO VERIFY TRANSACTION, WHICH WAS NOT THE CASE. I WAS THEN ABRUPTLY NOTIFIED UPON CALLING THAT MY ACCOUNT WAS PENDING CLOSURE. 

I WAS TAKEN BACK BECAUSE THIS WAS KNOWLEDGE THAT I WOULD NOT HAVE BEEN AWARE OF IF I DIDN'T CALL, AS I STATED EARLIER THIS WAS SAID TO BE TEMPORARY IN THE EMAIL THAT I WAS SENT. 

I ASKED FOR THE REASONING BEHIND THIS DETERMINATION AND THEY SAID I VIOLATED THEIR POLICY, WHICH MADE NO SENSE TO ME, AS ALL I DID THAT DAY WAS FREEZE MY DEBIT CARD AND MY ACCOUNT WAS IN GOOD STATUS PRIOR TO THAT. 

UPON REQUESTING THE INFORMATION AS TO WHAT VIOLATION THEY WERE REFERRING TO, I WAS TOLD THAT THEY DID NOT HAVE THE INFORMATION TO DISCLOSE TO ME. IF YOU ARE A BANK LOOKING TO CAUSE HARM TO SOMEONE'S LIVELIHOOD BY CLOSING ACCOUNT AND NOT ALLOWING THEM A CHANCE TO SET UP DIRECT DEPOSIT WITH ANOTHER INSTITUTION, THE LEAST YOU CAN DO IS TELL THEM WHY. 

NOW, MY RENT IS COMING DUE ON XX/XX/XXXX AND I WONT HAVE ANY ACCESS TO MY DIRECT DEPOSIT COMING ON THE SAME DAY IN ORDER TO MAKE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: CA

Complaint narrative:
Since XX/XX/year> Ive been having issues trying to make a payment to my Discover card through my bank checking account. I have used this method as a form of payment to them and all of my credit cards for years now with no issues. But when I tried to make my payment to Discover back in XXXX they said the bank said there was not enough funds and so it was rejected. I called my bank and they confirmed that Discover never tried to take payment and that my balance had more than enough to cover my payment to them. I then called Discover back which took me days as I was constantly pushed around their customer service universe from XXXX XXXX  world country to the other. Finally, I spoke to a rep again and they said my checking account could no longer be used to make payments to my Discover card and could not give me a real reason. When I asked How am I suppose to make a payment? He suggested I send a check which Im not able to do with my bank. I explained this to the rep and he told me He didnt know how else to pay it? So then I told him I wanted to close my account cause I was done with Discover. He closed my account, and Im still unable to make the payment to Discover, and now they are charging me late fees and interest, etc. I also recently received a letter from Discover that I was no longer allowed to use their customer service as they said I was rude to their customer service agent. Honestly, I was rude cause this whole this is ridiculous! Ive been a customer of theres for XXXX years, and have never missed a payment. Their customer service is XXXX foreign guy after the other and no one for weeks will give me answers on how to solve the minor problem of simply being able to pay my bill! I dont know what else to do? I have money and would like to simply pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX and XXXX  XXXX XXXX have charged off both accounts back in XXXX and XXXX was XXXX. Since then both accounts was sold to two different collection companies ( XXXX XXXX XXXX ). As of XX/XX/XXXX XXXX  XXXX XXXX and XXXX  XXXX back have being the accounts charged off are still up dating this to my credit report violation of Fdcpa 604f of the FCRA 15 USC 1681. 15 usc 1666b,,, 15 usc 1681i 15 usc 1681s-2

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one bank and capital one Walmart have charged off both accounts back in XXXX and one was XXXX. Since then both accounts was sold to XXXX different collection companies ( XXXX XXXXXXXX XXXX ). As of XX/XX/XXXX capital one Walmart and capital one back have being the accounts charged off are still up dating this to my credit report violation of Fdcpa 604f of the FCRA 15 USC 1681. 15 usc 1666b,,, 15 usc 1681i 15 usc 1681s-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I reached out to Equifax to have some INACCURATE personal information removed from my credit report as well as some UNAUTHORIZED inquiries. 

INACCURATE INFORMATION Phone Number Address Name ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX UNAUTHORIZED HARD INQUIRIES DATE COMPANY ADDRESS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: SC

Complaint narrative:
ACCOUNT # XXXX Lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for more proof or docs just tellin you Im not agreein with it Only way to contact me is through email Monday to Friday XXXX to XXXX east coast time Dont send no USPS XXXX XXXX  or courier mail and skip the phone calls Its just a hassle Appreciate you keepin it cool

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
During many of the unsolicited phone calls, I asked them to please verify that the information reported is 100 % accurate and that you can fully verify the information. Otherwise please remove from report. Nothing was provided

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my XXXX XXXX XXXX collection on my TransUnion I have XXXX collections, this most be delete the error immediately. 

I have attached documents

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 2024-12-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
ive probably paid them over a XXXX dollars. ive use this company probably in between XXXX and XXXX. I cant remember the exact dates my address have changed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: LA

Complaint narrative:
Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 18 USC 1344 UNIVERSAL DECLARATION OF HUMAN RIGHTS ARTICLE 22 ( Relization ) ARTICLE 28 Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized.

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein.

I am The Executive of The Estate of 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 2024-12-29 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

I have a lot of hard inquiries that I did not recognize and I didnt authorize. Also, I dont recognize accounts with XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX I tried to fix it in the past and they persist those account are mine. Therefore XXXX XXXX. I tried to fix the problem with them and had to pay every month for XXXX 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 non-monetary relief
Consumer complaint received 2024-12-29 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: NH

Complaint narrative:
I am trying to be patient. They apparently updated the email and phone number I gave them I am again being asked to call again and to myself trying to be patient if I get an email correct to log in etc I am running out of patience with equifax credit report agency repeated the phone number is not the same as above and location because of financial institution again said they have my information I have to have vpn or location not showing on the more secure site so I already have taken care of my end if they have XXXX or more numbers that XXXX be being used from other people I am following instructions from different federal offices. All I am trying to accomplish is login so I have them uniform as possible and if I am advised to freeze/unfreeze I do need access to do so. Otherwise if I got the correct email they should have I was told more than enough information for minimal assistance. I also have to only call out but I do not want to give them the same information over the phone because it will make this situation even worse. I have not been able to after approximately XXXX received XXXX calls. Equifax please take note of this. If I live in an apartment complex and can hear other residents with low music on it is not okay

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: ID

Complaint narrative:
I was charged by XXXX XXXX XXXX for XXXX. Never received product and disputed charge after company refused to cancel order. When I opened up the dispute the company refunded me XXXX. 

US bank then put the charge back on my card and says the dispute is closed but wont remove it. 

Im being charged for a product I did not receive a second time after the merchant refunded the original purchase.

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