vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
All year this bank has made it difficult for XXXX  veteran from pay, harassing calls, rude employees hanging up in my face, it is a constant battle and beyond frustrating to continue to have the same issues. 
in addition, when they issue a new card you lose all of your history they lock you out of the account and force you to create a new account. 

have this company to stop calling, email and stop blocking my card. If I see fraud I could report it I don't need a bank with bad practices and bad technology that prohibits customers from using a credit card.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX, and the information listed below, which appears on my credit report, is a result of that XXXX. 

Please block the following information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

1. ( XXXX - XXXX ) 2. ( XXXX - XXXX ) 3. ( XXXX  XXXX - XXXX ) 4. ( XXXX XXXX XXXX  XXXX XXXX ) Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  Documentation

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 2024-11-13 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX # XXXXXXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX # XXXXXXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: USCB, Inc.
State: DC

Complaint narrative:
Repeated phone calls -- at least once a day, sometimes multiple times a day, without leaving a voicemail for at least two months and calling from multiple different phone numbers. Without them leaving a voicemail I do not know who they are, what the purpose of the phone call is and I will not call back if I do not know the phone number especially when it comes from multiple different numbers. I have a problem because they reported to the credit bureaus without being notified of the debt, nor have they ever sent a written notice to specify the amount and for what the debt is owed. If it weren't for me seeing it unexpectedly on my credit report, I would have never known about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This debt appeared on my credit report in XX/XX/year>, do not know this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NE

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-11-13 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: NE

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
As you can see from the screenshots of my call log, they call after midnight and before XXXX, regularly. This is just 2 examples of it. They dont want to talk, they want to terrorize me & interrupt my sleep. Business shouldnt even be open during these hours for them to be calling. The harassment is non stop. I had to set my XXXX to only ring for saved contacts just to avoid being waken in the middle of the night or at sunrise by CBE GROUP ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I received a notification from my credit monitoring service that a new collection account had been added to my credit report. I did not receive a dunning letter to get a chance to rebuttal prior to submitting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX and XXXX of this year I have been charged a {$40.00} minimum payment fee even though I paid off the amount due. On this particular card, I have a no-interest pay over time transaction. When I did use the card for other transactions I was charged this fee, even though I paid off those transactions in their entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2024-11-13 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2024-11-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize them. Please rectify this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: IN

Complaint narrative:
I made a payment of {$320.00} on the XXXX of XX/XX/year> and it came out on the XXXX, they double charged my account totaling {$640.00}. I called today the XXXX and they made it sound like it was my fault. They said they would investigate, but it would take 3-5 buisness days to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$30000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I applied for a credit card increase and was DENIED. On XX/XX/year> I contacted CAPITAL ONE 'S CARD DIVISION. Upon contact i explained that the call was being recorded. I explained to the SUPERVISOR over the credit department by the name of XXXX XXXX that my CONSUMER RIGHTS [ 15 USC 1602 ], [ 15 USC 1681 ] were in VIOLATION. XXXX XXXX was very UNPROFESSIONAL AND VERY RUDE. This individual took it upon her self to tell me that I was DENIED a Increase to my credit card on file and that it was final. I actually informed XXXX XXXX of the CONSUMER LAW 'S [ 15 USC 1602 ] AND [ 15 USC 1681 ], BUT TO NO AVAIL I WAS RUDELY [ DENIED ] and also hung up on over the phone. I AM TRULY APPALLED BY THE WAY THIS MATTER WAS HANDLED AND ALSO DISGUSTED AT CAPITAL ONE 'S DECISION TO HIRE SOMEONE INCOMPETENT AND DOES NOT HER COMMON LAW 'S. WOW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: MI

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: ME

Complaint narrative:
I have 3 accounts with Chime. A checking, Savings and a credit builder. When I would get paid 50 % would deposit into my checking and 50 % into my credit builder. On XX/XX/year> my account showed I had about XXXX in that credit builder account. I made a purchase that evening for XXXX from XXXX XXXX My balance after that was around XXXX I think. Then that night I got my payroll deposit XXXX and XXXX deposited into my checking and XXXX into my savings. Then it shows another transfer of XXXX into my credit builder account but that money never made it to that account. I have called, reported to XXXX  and no here. I want an explanation as to why the bank says that XXXX was used to cover a negative balance on my credit builder account when my account never showed me it didn't have the funds to cover that XXXX purchase. And why the app never shows that money XXXX was used to pay back spot me. Why didn't I get an email saying spot me was used to cover that XXXX. To me it looks like the bank stole my money. If they are right and I didn't have enough funds to cover that XXXX transaction then there is a serious issue in the app and they need to admit and address why this happened to me. I don't want another response saying it was used to pay that negative balance I want a statment showing my money and what I had on what day before I made that purchase. I want to know why I never got a notification or an email saying spot me was used. Why does my account to this day still show that money being transferred into credit builder but not used to pay back spot me. Something is wrong. I think I deserve my XXXX because this is an error on the banks end. But whatever if I could at least get an explanation I would be happy.

Company response to consumer: Closed with explanation