vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I got a notification that a new debit card was being mailed out on XX/XX/22 from Truist to an address that was not my home. I called them and dealt with their team to take appropriate actions and updated all of my account info. 

They took no money, but a week later tried to open another account in a different truist branch

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MI

Complaint narrative:
Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.

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 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX, TRANSUNION, AND XXXX ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$120.00} XXXX Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX, XXXX, AND EXPERIAN ARE IN VIOLATION OF violates 1681e ( b ) FCRA FOR REPORTING FRAUDULENT ACCOUNT INFORMATION : XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$970.00} Status Account charged off. {$970.00} written off. {$970.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$120.00} Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX  Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im  the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Experian, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 2 Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Type of disputed information : Installment Dates associated with item being disputed : XX/XX/XXXXXXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Company never sent notice about debt. I just kept receiving calls from an unknown number without them leaving a voicemail -- it seemed scammy. I didn't realize who they were until it was reported on my credit report. I finally settled out with the company and I have a recording of the representative stating they would do a pay to delete. They pretended they weren't able to send me a pay to delete letter until I got off the call and the letter they finally sent did not state what was promised over the phone which was a pay to delete. Also after I settle out with them the address they reported on my credit file was not even correct which led me to believe they never had official verification that the debt even belonged to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IN

Complaint narrative:
Swiped the CASHAPP card at XXXX XXXX XXXX ( hotel chain ) @ XXXX pm est XX/XX/XXXX it came back declined, they asked me to check my account balance and it showed {$150.00} as pending. I called Cashapp and they told me I had to wait 14 days to get my money back onto my account or submit a letter, they declined my first letter with no explaination why told me I still had to wait and hung up on me not answering my questions. I reviewed the email request for the letter from them and asked the manager at XXXX to be more detailed, sent him the letter from Cashapp and he resent a new letter that I forwarded to Cashapp. Nothing was done so I contacted the cashapp support via chat got the same result that no one could help me I had to wait 14 days, they refused to respond to any of my questions about the letter and the fact that I did what I was to do and they kept ending the chat. I waited until XX/XX/XXXX and XX/XX/XXXX with the last phone call resulting in that it was sent to a special team no date on when it would be resolved, no one in that department to talk to, no manager to talk to, and that both would respond via email. I got an email from them on XX/XX/XXXX at XXXX pm, in response to the email with the attachment with the letter, that they are closing the case that they have provided me with as much information as possible to help resolve the issue. I still havent gotten my money back or contact from a manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I called Jefferson Capital Systems LLC at XXXX XXXX  about a payment plan option that is set to expire on XXXX XXXX. I wanted to choose option 1 for a full lump sum payment in full. I spoke with a representative named XXXX who could not explain why I received a collection on my XXXX credit report which dropped my score XXXXXXXX XXXX and it was only XX/XX/2023. He could not explain why so I requested a supervisor. A supervisor named XXXX XXXX spoke with me and informed me that they can actually report that to the credit bureau after having my account for 90 days. He then told me that they received my account on XX/XX/2023. I replied that 90 days would be XXXX XXXX and today was XXXX XXXX so it was not 90 days. He put me on a brief hold and then came back and told me it was 40 days and that my 40 days was expired. At that moment I felt that something was not right and that it may be thousands of other people who rights are being taken advantage of and being violated. Please see attached documents for verification and the phone call was on a recorded line at phone number XXXX on XXXX XXXX. 
Thank you so much for your help and investigation into this matter. My plan was to pay it before the XXXX XXXX deadline however it was already reported and had damaged my credit score significantly before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX i was download a music video online, a sudden pop up with a # to call keeps on flashing on my laptop freezing my computer. call this # asap so i wont loose my info before the computer crash. XXXX help line XXXX when i call an agent answer gave me his ID # XXXX XXXX including his name XXXX XXXX XXXX he said my computer and my phone was hack, to call my bank and freeze my accounts. call me back when finish with the bank. when i call the bank to close my account, he told me i had XXXX withdrawal from my savings. from that point on i lost it. his name was XXXX XXXX his secured # to reach is XXXX don't worry he'll help to recover my money. that's how the wire scams started, tells you to keep it secret don't answer any question at the branch because they may be involved.that 's how i end up wire transfer XXXX to them. after, reporting to chase bank fraud claims. after 11 days into their investigation they told me, my case was denied because i initially wire the transfer. just like that $ XXXX gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I pulled a copy of my report and saw that on XX/XX/2022, ONEMAIN, XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX had a hard inquiry on my account that I did not authorize, I reached out to them, and they said they would remove it and it's still there. I reached out to XXXX, and it's still on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Concern a Citibank credit card. On XX/XX/XXXX. XXXX I reported my XXXX XXXX XXXX credit card lost. Citibank cancelled the card and issued a new card. On XX/XX/2023, I spoke to an employee ( XXXX XXXX of Citibank who advised me that it is their policy not to allow automatic charges from the old card to be transfered to the new card, and that I should contact vendors who had been automatically charging the old card, and give them the new card information.To my surprise, the company XXXX which had been charging the old card, was allowed to continue charging the new card. I contacted Citibank and spoke to a XXXX who told me that they will reverse the {$33.00} charge on the new card statement. The charge was not reversed, and Citibank proceeded to levy a late charge of {$30.00}. On XX/XX/2023, I closed the account, which I held for 32 years. The {$33.00} has now with the addition of late charges grown to {$140.00}. I have no intention to pay what I do not owe. At age XXXX years, I have seen the likes of Citibank evolve from predatory to parasite, particularly on the defenceless consumers left to their mercy by government bent on protecting our free market capitalism. I have no problem with the world seeing my information and my complaint.

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 monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Ref. : Company : PAYPAL CREDIT/SYNCB ( Synchrony Bank ) Address : XXXX XXXX XXXX, XXXX, PA XXXX Account holder name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Payment amount : {$2500.00} Dear CFPB Repr. 
On XX/XX/ I sent XXXX XXXX official bank check with USPS registered mail to the company with payment coupon. Please see attached, payment coupon, USPS receipt and copy of the check attached. The Check was received by company on XXXX XXXX XXXX please see USPS tracking screenshot attached. On XX/XX/ I submitted lost check dispute with the company and spoke with representatives several time about lost check. Today I received email from my bank, XXXX XXXX that check was returned by company to them because Synchrony bank hey were unable to locate the account which is very strange after all. My bank will be reissuing check and sending it but meanwhile I strongly believe Synchrony bank should waive all the interest charges and fees associated with none payment because it was clearly their fault and they did admit on the phone when I spoke with managers on XX/XX/ Manager name XXXX XXXX XXXX XXXX that it was computer glitch. 
Please let me know if you need any additional information. 
Thanks, 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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card made me pay them for unauthorized charges that I did not make. I have reported that to you before. However, recently, I learned that Discover Financial Services also did an unauthorized " soft '' credit inquiry into my credit on XX/XX/23. That was 5 days before the court trial that I had to attend because Discover Card/Bank sued me for collection of a Discover Card balance, and I sued them back. I ABSOLUTELY DID NOT AUTHORIZE DISCOVER TO MAKE A CREDIT INQUIRY INTO MY CREDIT RIGHT BEFORE TRIAL AND THEY ARE ABUSING THEIR POSITION FOR IMPROPER PURPOSES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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