vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 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: MI

Complaint narrative:
To Whom It May Concern, I am writing to inform you that I have been a victim of identity theft. Unauthorized transactions and accounts have been made in my name without my knowledge or consent. As a result, my personal and financial information has been compromised, and I request immediate action to correct the situation

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 2024-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
On XX/XX/XXXX two withdrawals were made by someone in another state for {$1500.00} and {$1900.00}. On XX/XX/XXXX I called to file a fraud claim and was informed that someone had called US Bank, obtained the last four digits of my checking account number and balance, then later someone went and forged my signature ( badly ) and made the two withdrawals from my checking account. Apparently no one bothered to confirm that it was me properly. I started the fraud dispute over the phone, but had to go to a branch to finish. I had to take time off of work, close the checking account I've had for XXXX years, and fill out paperwork regarding the fraud. I opened a new checking account and was told that they needed 10 business days to process then would add the funds into my new account, with no offer of compensation for my troubles, and no immediate reimbursement of funds. I waited 15 business days, still no reimbursement. I called again on the eleventh day, and was told it was still processing, and to call back in 3 to 5 days. I asked if there was anything that could be done as it was clearly their fault, and that is a large amount of money to me as I am almost living paycheck to paycheck. This frustrated me enough, that I would like to seek further compensation for my time, fees from bounced transactions from having to close the old checking account, and the stress I am dealing with having to find other ways to pay.

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 2024-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I sent {$40000.00} from my XXXX Bank of America account to my Spanish XXXX bank account. The money was stopped by Bank of America XXXX for compliance review. I have provided all the requested information to XXXX Bank of America multiple times and even requested for esclalation of the issue. I am still waiting as its been over a month and I have no access to my money. 
Every time I call, I am asked to wait and call back in 3-5 days. 
I am unable to contact XXXX office because they dont have a customer facing representative. I get no updates other than asked to wait and call back for status.

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 2024-10-08 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: AL

Complaint narrative:
( XXXX XXXX XXXX XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Content of Complaint this CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX, Open Date XX/XX/XXXX, Account # XXXX, XXXX XXXX Open date XX/XX/XXXX, XXXX, XXXX XXXX Open Date XX/XX/XXXX, Account # XXXX, XXXX XXXX XXXX  XXXX XXXX Date XX/XX/XXXX Account # XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned account, Collection are the result of identity Theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and Collections are the result of identity theft and fraud.

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 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I received a call from a XXXX XXXX stating that she was calling from XXXX XXXX XXXX. She was calling to let me know that the company had mailed out a settlement offer on a Capitol One account ( over 10 years that account has been closed ). I advised her that I did not receive any settlement offer, and asked if she would be able to email me the letter. I was emailed a docusign document which was a Validation of XXXX. She stated if I would not sign document before XX/XX/XXXX they would proceed with legal action, put a lien on my property or garnish my wages. 
I tried looking for XXXX XXXX XXXX online but was not able to find any information on company. I also contacted Capitol One, advised credit card was charged off and transferred to XXXX XXXX XXXX. I also contacted XXXX XXXX XXXX and they no longer have my account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, which has inaccurately reported harmful information on my credit report under account number XXXX. I formally disputed this account and requested debt validation on XX/XX/year>, citing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my request, XXXX XXXX XXXX has continued to report a charge-off on this account, with a balance of {$160.00}, which has caused severe damage to my credit score and financial reputation. They have failed to provide adequate validation of the alleged debt, as required by law. Their continued reporting of inaccurate information has harmed my ability to obtain credit, housing, and financial products. 

The reporting is in clear violation of the FCRA, as they are required to ensure the accuracy of the information they report to credit bureaus. The FDCPA also mandates that XXXX XXXX XXXX provide debt validation, which they have not done. This has caused me financial harm, including multiple denials of credit and emotional distress. 

Actions I Have Taken : On XX/XX/year>, I sent a formal letter to XXXX XXXX XXXX disputing the account and requesting validation under 15 U.S.C. 1681 ( s-2 ) of the FCRA and 15 U.S.C. 1692 ( g ) of the FDCPA. 
XXXX XXXX XXXX has continued to report this inaccurate information without validating the debt. 
My credit report still shows the charged-off account with a balance of {$160.00}, which has negatively impacted my creditworthiness.

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 2024-10-08 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: GA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX, which has inaccurately reported harmful information on my credit report under account number XXXX. I formally disputed this account and requested debt validation on XX/XX/year>, citing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my request, XXXX XXXX XXXX has continued to report a charge-off on this account, with a balance of {$160.00}, which has caused severe damage to my credit score and financial reputation. They have failed to provide adequate validation of the alleged debt, as required by law. Their continued reporting of inaccurate information has harmed my ability to obtain credit, housing, and financial products. 

The reporting is in clear violation of the FCRA, as they are required to ensure the accuracy of the information they report to credit bureaus. The FDCPA also mandates that XXXX XXXX XXXX provide debt validation, which they have not done. This has caused me financial harm, including multiple denials of credit and emotional distress. 

Actions I Have Taken : On XX/XX/year>, I sent a formal letter to XXXX XXXX XXXX disputing the account and requesting validation under 15 U.S.C. 1681 ( s-2 ) of the FCRA and 15 U.S.C. 1692 ( g ) of the FDCPA. 
XXXX XXXX XXXX has continued to report this inaccurate information without validating the debt. 
My credit report still shows the charged-off account with a balance of {$160.00}, which has negatively impacted my creditworthiness.

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 2024-10-08 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: MD

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

Account name : 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 explanation
Consumer complaint received 2024-10-08 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: SC

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX is suing me for this debt that I did not open. They sent a notice to me in XX/XX/XXXX, that they are suing me in court for which i attended a civil case today in my county and the judge has made a " postponement '' in this case because XXXX claim they have no idea this was a Identity Theft case, which is XXXX  cause I disputed it through all XXXX  Credit Bureaus!!!! So now I am in a wait and see game for XXXX  days with the court system in my county!! My XXXX   ex-boyfriend that i evicted in XXXX opened the card in XXXX as revenge against me for kicking him to the curb. Can you stop this bill collector from suing me for under XXXX IT IS INSANITY!!! the statue of limitations in TEXAS is XXXX  years and per my credit report this account was closed in XXXX and XXXX just bought this " Paper '' in XXXX of XXXX. HOW CAN THEY GET AWAY WITH THIS AFTER THE STATUE OF LIMITATIONS HAS PASSED ON A DEBT I DID NOT EVEN OPEN. They have No original contract with my signature either!! This card never even had payments made on it!! What the heck is wrong with these people. Bill collectors are horrible people and need to stop preying on people!!

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 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Net Credit/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Net CreditXXXXXXXX XXXX  : I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Alorica Inc.
State: KY

Complaint narrative:
I contacted SST about a XXXX-time extension of my monthly payment because I was concerned that the terms of the loan were illegal, and I did not trust the company and wanted time to do some more research. I was told, explicitly, on the phone that my XXXX  monthly payment would be deferred to XX/XX/XXXX instead of XX/XX/XXXX. After XX/XX/XXXX, I received a letter from SST letting me know that I had a late payment. I called SST to clarify with them, saying that I was told my payment would be deferred for a month. The representative on the phone told me that my previous request for an extension had been denied. I was never told previously that this extension was a request. I was told, explicitly, that my new payment date was XX/XX/XXXX, verbatim " Your new due date is XX/XX/XXXX ''. I was not given an explanation for why I was lied to on the previous call. I was again not given a confirmation number or written confirmation that that had processed or even requested an extension, even though I requested written confirmation on the phone. I was told by the representative that they re-submitted the request and that I can call back in XXXX days to see if it's been approved, which is not aligned with what the previous representative told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi credit card support was to fix recurring transactions on the credit card that were fraud, There were unable to fix this issue so they said they needed to send me a new credit card. 

They promised they would " check a box '' so the fraud amounts/vendors couldn't again charge my card. 

I got my new card, changed my cc with all the vendors and the old fraud charges kept coming. 

After that they said I had to cancel my account. To cancel account they sent me email with cancel terms. I didn't accept these terms bc I would lose my costco credit. Support promised me this wouldn't be the case and management team and support at citi credit card said I would still get my costco credit. Now citi won't send me my costco credit. 

I want my $ XXXX back in terms of fraud amounts and costco credits. 

Their support is not trained, lied to me several times and is very unethical business. 

Do not trust these banks and credit cards and what they tell you on the phone. Plus they forced me to sign an agreement to cancel card which in effect cancelled my other services promised to me. That's the only way I could get the hundreds of dollars in recurring fees from happening. Citi, like most other banks don't listen and don't help the average consumer. I only own XXXX credit cards, both with Citi for the last XXXX years. I've given them over $ XXXX in credit card transactions through my personal and business accounts. I'll never do business with Citi again after this. All of this over {$2500.00} in charges. What a waste of time and energy to have to change my credit card with vendors XXXX  times now in the last XXXX months with no resolution to this issue.

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 2024-10-08 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am writing to address a concerning issue regarding my JPMCB card. It appears that my credit was accessed without my consent, resulting in a decrease in my credit score due to this inquiry. I kindly request that this unauthorized inquiry be removed as soon as possible to mitigate its impact on my credit. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation